Social Security Disability Insurance, or SSDI for short, is a program funded by the federal government that gives monthly cash benefits to people who have worked a certain number of years but currently cannot work due to a disabling condition.
If you previously worked but are now unable to because of a disability, you may be eligible for more than $3,000 every month in SSDI benefits. If you meet certain work requirements and other conditions, you can qualify for SSDI payments even if your disability did not occur as a result of your previous job.
The SSDI program exists to help make ends meet for disabled people who are unable to work but have a work history and have paid taxes. Here are some basics to know if you are hoping to receive monthly SSDI benefits.
- The qualifications for SSDI:
Earnings requirements- To receive government assistance for having a disability you must pass two different work tests that determine if you have worked long enough to qualify for benefits. These tests use a formula that takes your age and the number of years you have worked into account.
Disability definition- Your medical condition must fall under the United States Social Security Administration’s (SSA) definition of a severe, long-term, and total disability.
- How much money you will receive if you qualify:
In 2023, the average monthly payment that SSDI beneficiaries received was $1,470 although the maximum benefit you can receive is $3,627. The amount you receive will be determined by an SSA formula.
- How to file your SSDI claim:
To request SSDI benefits you will need to fill out an application for social security disability, either online, over the phone, or in person. The application requires identifying information, documents that substantiate your disability, your medical history, and work records.
- How to appeal if your initial claim is not approved:
Many first-time SSDI claimants are denied benefits the first time that they apply. If this happens you can apply again by filing an appeal within 60 days of receiving a denial notice. You can even hire a disability benefits attorney to help you correctly submit your appeal application.
Learn more about how to qualify for thousands of dollars in disability payments.