Everyone Should Know About SSDI

Nobody likes to think that they might need financial help from the government, but in reality, there are many different circumstances that may render you unable to work and earn a living. According to the Social Security Association (SSA), the average 20 year old worker has a 30% chance of becoming disabled at some point in their career before they reach retirement age. Of course people should plan for these disastrous events by having personal insurance, but this is an expensive option that is out of reach for most workers.

Luckily, the SSA provides several safety nets including SSDI benefits. Generally, only workers who have paid into the Social Security system through payroll taxes are eligible to apply. (Some different types of cases include minor children of disabled adults or adults who have been disabled since childhood and have not paid these taxes.) The SSA has guidelines to determine whether someone qualifies as disabled and cannot work for at least a year. Usually a disability is a medical condition such as a debilitating injury or chronic disease. If you are receiving SSDI and then reach retirement age, you will begin receiving regular retirement benefits in place of the SSDI in the same amount.

If you think you are disabled and could use SSDI benefits, do not delay and apply immediately since it can be a lengthy process that might involve rejection of claims and an appeals process.

Tags: Applying for Benefits, Eligibility, SSDI Assistance

This article was posted on Tuesday, June 21st, 2011