If you can’t work due to a disability, you may have heard of Social Security Disability Insurance (SSDI). Just hearing the term “SSDI” probably isn’t enough to convince you to file for SSDI benefits. It helps to know what SSDI could do for you, so you know what to expect after your claim is approved.
Qualifying for SSDI Benefits
SSDI applicants need to meet the following tests in order to receive SSDI benefits:
- Meet the SSA’s definition of disability;
- Prove evidence of a medical condition that prevents or restricts the applicant’s ability to work;
- Have earned the appropriate number of work credits;
- Have earned at least some of the work credits in a certain time period before the onset of disability.
Once an SSDI claim is approved, the applicant can begin using SSDI benefits.
Personal SSDI Benefits
Programs and benefits available to SSDI recipients may include the following:
- Monthly Payments. In 2018, the average SSDI recipient received $1,234 every month. However, people with higher incomes prior to the onset of their disability may have received as much as $2,861 per month. If you are receiving benefits from other sources, your SSDI benefit could be reduced.
- Medicare. All SSDI recipients can sign up for Medicare. However, they can only start receiving benefits after a 24-month waiting period. In addition to Medicare, an SSDI recipient may be eligible for a Medigap policy that bridges the gap between medical costs and certain Medicare plans.
- Returning to Work. Some disabled individuals may be ready to return to work. They may need to train for a new career. Other services available to SSDI recipients include rehabilitation services or therapy, career counseling, job placement, and training.
Family SSDI Benefits
In addition to the benefits mentioned above, family members of an SSDI recipient may be eligible for benefits:
- Children. In some cases, children can receive SSDI benefits based on their disabled parent’s work record. “Children” includes: biological children, adopted children, dependent stepchildren, dependent grandchildren, disabled children, and adult children disabled before age 22.
- Surviving Spouses. Widows and widowers may receive SSDI benefits based on their deceased spouse’s work record. A surviving divorced spouse may also be eligible if the couple was married for 10 years or more.
There are limits to survivor benefits.
Applying for Social Security Disability Insurance Is Hard. We Can Help.
The application process can be long and frustrating. It’s important to have someone who knows the system help you right from the start.
The attorneys at The Law Offices of Martin Taller have more than 50 years’ experience in the legal field. Call us at 714-385-8100 to set up a free consultation. Though our office is conveniently located in Anaheim, we assist clients throughout Southern California.