Social Security Claims

What is Social Security Disability Insurance (SSDI)?

Social Security is the federal program that provides retirement, disability, survivor, family assistance and Medicare benefits. The program is funded by earmarked taxes withheld from employees’ pay checks, matching funds from employers and taxes from self-employed individuals. Social Security benefits are administered by the Social Security Administration (SSA) and governed by the Social Security Act.

The Social Security Act’s Definition of “Disability”

To qualify for Social Security Disability benefits, a person must be “disabled” according to the definition provided by the federal Social Security Act. A person is disabled if he or she:

  •  Has a medical condition that is expected to last at least a year, has lasted at least a year or is expected to result in death, and
  •  Is unable to work because of the medical condition
  •  The person must not be able to the do work she did previously or any other type of substantial gainful activity that she is qualified to do.

TYPES OF SOCIAL SECURITY BENEFITS

Disabled Widow’s, Widower’s or Surviving Divorced Spouse

SSDI: Disabled Widow’s, Widower’s or Surviving Divorced Spouse benefits are paid to people who meet certain age and other requirements. The deceased spouse must have been insured through his or her work record for the living spouse to qualify for coverage.

Supplemental Security Income

SSI: Supplemental Security Income benefits are paid to low-income recipients who are disabled, blind or elderly and have limited resources.

Childhood Disability

SSDI: Childhood Disability benefits are paid to people who are at least 18 years old and became disabled prior to the age of 22. The payment to the child is based on the earnings record of a qualified parent who is retired, disabled or deceased.

Child’s Disability

SSI: Child’s Disability benefits are paid to children up to age 18 who are disabled or blind and whose families meet certain criteria concerning income and resources.

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