Understanding what SSDI is can make all the difference

If you ever suffer an impairment as a result of an injury or illness that stops you from working, Social Security Disability is one way you can replace your income. This federal program can help you deal with the loss of income occasioned by your disability. It is important that you know how this program works and when to use it, to protect yourself and your family. This next series of blog posts will give you some basic information about the Social Security Disability process. It will also help you understand how the Social Security Administration makes a decision in each and every claim.

So, what is Social Security Disability?

Social Security Disability Insurance (SSDI) is a federal program, managed by the Social Security Administration, supported by payroll taxes. SSDI’s program beneficiaries are deemed “insured” since they have worked and contributed to the Social Security trust. To be eligible for SSDI, you must be 65 or younger. Additionally, you must have earned a certain number of work “credits.” ~All beneficiaries of Social Security Disability benefits qualify for Medicare after 24 months~

Under the SSDI program, a disabled person’s dependents (spouse and children) are eligible for partial dependent benefits, also known as auxiliary or dependent benefits. There is a 5 month waiting period for the SSDI benefits, meaning that the SSA will not pay your benefits during the first five months following the date you become disabled. Just like the Social Security retirement benefit, the amount you will receive in monthly benefits depend on your earnings record. The more you pay in through payroll taxes, the more you will get out in the form of monthly benefits.

Cooper Law, LLC., can walk with you through the initial application process to ensure its successful completion or help you appeal a denial. We will be with you though the entire process. Fill out an online intake form or call us at 612-568-4529 to get in touch with us today.