Understanding Social Security Disability Insurance

If you or a loved one is seeking social security disability, there are a few key things you need to understand in an effort to make the process as smooth as possible.

Social security disability coverage

The official term for Social Security coverage is Social Security Disability Insurance. This benefit is available to individuals who are not able to work due to medical conditions. There are certain disabilities that qualify for the coverage.


The Social Security Administration distributes the benefit and provides information on the requirements to qualify. One of the first things they look at and evaluate is your recent work and the duration of your work period. Depending upon those factors and a few others, including your age, you receive a certain amount of credits. They also determine the severity of your inability to work. If you are able to re-enter the workforce at a smaller capacity, you may still be eligible for some SSDI benefits. All of these factors contribute to determining the amount of SSDI that you may qualify to receive.


Once you receive approval for SSDI, the payments begin in the sixth month after the occurrence of the disability. Depending upon the extent of the benefit, the payment terms may vary. For example, some individuals may receive the benefit every month for life, while others on partial disability may only receive payment for a nine-month period within a year. It is important that you fully understand these terms.

The SSA and the government, in general, have programs in place to help the people, and SSDI is one of them. Make sure you or your loved one gets the most out of the available benefits by fully understanding how SSDI works. Take some time to do your research, and consider speaking with a knowledgeable professional.

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