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What Is SSDI?

By Joseph Palladino

Republish: EasyPublish™
Published: 11Oct2009
Word count: 474
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The acronym SSDI is used to refer to Social Security Disability Insurance. This is an insurance program that is run by the Federal government that is designed to provide payments in cash to people who are disabled, and who qualify for assistance from the government.

Social Security Disability Insurance is described as a disability insurance program that is administered by the SSA, or Social Security Administration. The purpose of Social Security Disability Insurance is to provide people who were previously working with a safety net of wage replacement when they develop a health condition that prevents them from continuing to be a part of the workforce.

Anyone that has paid money into FICA taxes and that now has a disability that meets the Social Security Disability Rules may qualify. People that qualify for SSDI or Social Security Disability Insurance will go on to receive a cash benefit from the Social Security Administration that will vary dependent on their own unique work history as well as an accelerated qualification for receiving Medicare.

In order to be eligible to receive benefits from the Social Security Disability Insurance program, the worker in questions has to be prevented from participating or engaging in any type of SGA or Substantial Gainful Activity for a period of no less than 12 months.

Social Security Disability Insurance is not designed to accommodate individuals that only have a short term health issue that is preventing them from working in the workforce. Instead, this type of Social Security Insurance for disabilities is designed to provide a level of benefits for individuals that have health issues that are severe as well as long term.

The application process to receive SSDI from the Social Security Administration is a thorough one. The best way to navigate through the paperwork and to ensure that you provide the right information is to have someone working on your side. When you have an expert in this endeavor working with you, you will have a much better chance of succeeding during the initial application process.

If you are not approved the first time you apply, there is an appeals process, but it is better to avoid this appeals process whenever possible. Working with an expert in this arena can help you determine simply whether or not you even qualify for these insurance benefits, saving you a lot of hassle in the future.

In order to be approved for Social Security Disability Insurance benefits, you must be able to prove that you are suffering from a severe and long term health disability that is preventing you from working. A Substantial Gainful Activity is essentially any type of activity that can earn money for your household. If you cannot earn money because of your disability, the Social Security Administration may be able to provide you with a monthly stipend to keep you afloat.

Freedom Disability provides education and representation services to individuals interested in applying for Social Security Disability benefits in the United States. For additional information please visit Freedom Disability. They will be glad to answer any questions you may have.

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