Social Security Disability Insurance (SSDI): Everything you need to know - Britannica Money
Here’s a disquieting thought: About 25% of those first entering the workforce will become disabled at some point in their life. Not a pretty outlook, but it is one of life’s proven statistics. However, take some comfort in knowing that Social Security is there to provide financial assistance should you be one of the unlucky ones who becomes unable to work because of your disability. The program which provides such assistance is called the Social Security Disability Insurance (SSDI) program and it is designed to help American workers who become unable to perform “substantial gainful activity” (i.e., “work”) before they are ready to retire.
As you might imagine, there are specific eligibility requirements and numerous peripheral rules which govern the SSDI program, all of which are designed to make sure that only those who are truly disabled for at least one year can collect benefits. There are rules which govern how long one must have contributed to Social Security to collect SSDI benefits, and rules which specify how to determine medical necessity. But, generally, if you suffer a disability which prevents you from working for at least one year, and you have sufficiently contributed to Social Security beforehand, you will likely be able to get SSDI benefits to hold you over financially. All of this, and more about SSDI, are included in this informative article by Miranda Marquit appearing at Britannica Money.
Also, if you’re unsure about how these basics apply to you, or if you have any questions about your individual situation under Social Security, note that the AMAC Foundation provides a free-to-the-public advisory service to help Americans navigate the complexities of this program. All questions are answered quickly, at no charge. Learn more about it here…