Social Security Disability Insurance

Social Security Disability Insurance (SSDI) is a United States federal insurance program that provides income to individuals who are unable to work due to a disability. SSDI is funded through payroll taxes and is managed by the Social Security Administration (SSA).

Eligibility

To qualify for SSDI, an individual must have a significant work history in jobs covered by Social Security. The amount of work credits needed varies depending on the age at which the disability occurs. The individual must also have a medical condition that meets the SSA's definition of disability. Generally, the SSA considers a person disabled if they cannot do work that they did before, they cannot adjust to other work because of their medical condition(s), and the disability has lasted or is expected to last for at least one year or to result in death.

Benefits

The amount of SSDI benefits received is based on the individual's lifetime average earnings covered by Social Security. It does not depend on the severity of the individual's disability or their current income. In addition to the individual, certain members of the individual's family may also be eligible to receive benefits, such as a spouse or children.

Application Process

The application process for SSDI can be complex and lengthy. It involves submitting detailed information about the individual's medical condition and work history to the SSA. The SSA then reviews the application and makes a decision based on whether the individual meets the eligibility criteria. If the application is denied, the individual has the right to appeal the decision.

Criticisms and Controversies

SSDI has been subject to various criticisms and controversies. These include concerns about the program's financial sustainability, the accuracy of disability determinations, and the length of time it takes to process applications and appeals.

See Also

• Supplemental Security Income
• Disability Determination Services
• Social Security (United States)

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