Social Security Disability Insurance

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What Is Social Security Disability Insurance?

Social Security Disability Insurance (SSDI) is a federal program that allows a person who is physically disabled to collect cash benefits.

Am I Eligible for Social Security Disability Insurance?

To be eligible, the recipient must have a disability that interferes with basic work-related activities. The Social Security Administration (SSA) maintains a list of disabilities that are covered under SSDI. If the disability is on that list, the claim is processed automatically. If it is not on the list, there is a review process in which the Social Security Administration determines whether the disability is severe enough to get Social Security Disability Insurance.

Severity of the Disability

The disability, to be covered, must prevent the person from doing the type of work that he or she did for the last 15 years. It must also interfere with her ability to do any other type of work for which she is qualified.

Generally, if someone earns more than $500 per month, he or she will not be eligible.

How Much Money Will I Get?

As of 2014, the maximum amount of SSDI that you will receive monthly is $2,533. The amount of money you will receive is based on a complicated formula. It depends on how many years you have worked and how much you have paid to the SSA (which is automatically deducted from your pay stub).

I am Denied SSDI and I Want to Appeal

If you are denied SSDI, you can appeal the SSA by requesting a hearing. During the hearing, you are required to prove that the SSA has made a mistake and that you should receive SSDI.

Consulting an Attorney

A social security eligibility attorney can help navigate the bureaucracy of this program. An experienced attorney can also give a client a good idea as to whether or not they will qualify, which can save a great deal of time. If a valid claim is denied, an attorney can also help appeal the decision.

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Last Modified: 03-13-2014 04:28 PM PDT

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