Social Security Disability Insurance (SSDI)

Donor: U.S. Social Security Administration (SSA)

About: The Social Security Disability Insurance (SSDI) program provides monthly financial support to individuals who are unable to work due to a disability. To qualify, applicants must meet specific disability criteria and have an adequate work history. SSDI benefits typically include a monthly payment and Medicare eligibility, with the amount based on the applicant’s work history prior to their disability onset. Family members, including spouses, ex-spouses, and children, may also qualify for additional benefits. Applicants must report any changes to their work status, income, or personal details after approval to maintain eligibility. SSA offers multiple application methods, including online, in-person, and telephone appointments.

Focus:

• Disability financial support
• Work history verification
• Medicare access
• Family support benefits

Region: United States

Eligibility:

• Long-term disability or blindness
• Adequate work history
• Limited income if employed

Explanation of Terms:

• Substantial Gainful Activity (SGA): Refers to the monthly income threshold used to assess work ability despite the disability. In 2024, the SGA limit is $1,550 per month for most applicants and $2,590 for those who qualify as legally blind.
• Work History Requirement: Generally, individuals must have worked for at least five out of the last ten years. Younger applicants under 24 may qualify with less work history.
• Family Benefits: Additional benefits that may apply to the spouse, former spouse, or children of SSDI beneficiaries.