Social Security Disability Insurance Helps Incapacitated Workers

Lower body shot of an amputee with prosthetic leg

Lower body shot of an amputee with prosthetic legsSocial Security Disability Insurance (SSDI) assists people who are unable to work due to certain medical conditions. This is considered a form of insurance that workers earn during their working life. Eligible beneficiaries must be below the age of 65 and have a qualifying disability as defined by the Social Security Administration.

Eligibility experts at DECO explain how SSDI helps workers who have acquired disabilities and how to qualify for the plan.

Social Security Disability Insurance or SSDI vs. Supplemental Security Income or SSI

SSDI and SSI are both benefit programs, and many people confuse them. While both provide benefits for employees who are unable to work and both are managed by Social Security, there are still fundamental differences between the two.

It’s important to note that SSDI is only available for workers who have accumulated enough work credits. On the other hand, SSI helps low-income earners who have never worked after disability, as well as those who don’t have enough work credits. SSDI is mostly based on the individual’s work history, while SSI strictly considers financial position of considerable need.

Determining SSDI Eligibility

Social Security first evaluates a person’s work record to determine if he or she qualifies for the program. Duration of work and recent employment are both assessed to measure the work credits. You can look online for eligibility councilors to see if you can qualify for this benefit plan. Once it’s determined that you are entitled to the program, your disability will be assessed.

Social Security defines disability as the person’s inability to continue to work, incapacity to adjust to other forms of work due to the medical condition, and with the illness expected to last at least a year or to result in death.

When you’re faced with a disability, it’s important to know the right programs that can help with your needs. SSDI provides benefits to help patients move forward and support their daily needs.