What is Social Security Disability Insurance?

Social Security Disability Insurance (SSDI) is a federal program that is administered by the Social Security Administration (SSA). Federal law and regulations define all aspects of this program. The SSA defines a disability as the inability to engage in substantial gainful activity (SGA) due to an impairment or a combination of impairments.

Who Qualifies?

Social Security Disability Insurance (SSDI) benefits are available for those who have worked and paid FICA taxes for a sufficient number of quarters, and who are suffering from medical impairments which make it impossible to sustain any type of work activity. Basically for SSDI you must have paid FICA taxes while working for ten years in your life, and for five of the ten years prior to the date that you become totally disabled. However, the requirements are adjusted for people who are less than 28 years old. SSDI benefits may also be available for disabled widows/widowers more than 50 years old and who became totally disabled within 7 years of their spouse’s death; and for persons who can prove that they became totally disabled before age 22 and who have a parent on SSDI or receiving Social Security retirement benefits.

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