There are several benefits and assistance programs available through Social Security, and people frequently confuse these different benefits. Social Security Disability Insurance (SSDI) is one of the most commonly sought benefits available from the Social Security Administration (SSA).
As you can likely already guess from the name, SSDI benefits aim to replace lost income people experience because of a disability. Unlike Supplemental Security Income (SSI), SSDI benefits are paid benefits that a worker accrues throughout a lifetime of employment and contributions to the program. What benefits can an applicant receive if the SSA approved them for SSDI benefits?
How SSDI protects injured and sick workers who need support
Whether you develop a disability because of an accident, like a car crash, or an illness, like Lou Gehrig’s disease, if you are under 65 and can no longer work because of a medical condition, you might be able to receive SSDI benefits. These benefits will consist primarily of monthly payments based on your contributions to Social Security throughout your working life.
Although the amount you receive will vary depending on your age, your work history and other factors, many people can expect to receive about 40% of their income in benefits. SSDI on its own does not offer medical benefits. However, those who qualify for SSDI can typically receive Medicaid if they receive SSDI payments for more than two years.
If you have minor children, a separate application could allow them to receive some assistance while you get benefits in order to support their continued education. Nutritional benefits, sometimes referred to as “food stamps,” are also often available to those receiving SSDI benefits.
The right help can make connecting with benefits faster and easier
Navigating the Social Security system is far from simple. Between paperwork requirements and specific language that you and your physician may not know to include in your documentation, there are many ways to make mistakes and commit oversights that will impact the likelihood of an approved claim and the quick payment of SSDI benefits.
Getting help with navigating the system and remembering that appeals for an early denial may be necessary can help you improve your chances of success when you need SSDI benefits and other supports to maintain your home and family.