You get into an accident, have an injury, or develop a condition that leaves you disabled and unable to work. What do you do? Unemployment insurance is temporary, and you will need ongoing payments. You might be able to get qualify for other government benefits through SSDI.
The federal government provides free benefit payments if you meet the Social Security Administration’s disability requirements. Social Security Disability Insurance (SSDI) is also available to you if you or certain family members have worked and paid enough into Social Security taxes.
The Social Security Administration (SSA) provides Social Security disability benefits through the Social Security Disability Insurance program. It is one of the largest federal programs that offer benefits to individuals with disabilities.
If you are interested in getting disability payments from the government, you will need to know if you qualify. The SSA might consider you disabled, under SSDI rules, if you meet all of the following conditions:
- You can no longer do the work you once did.
- The SSA determines you cannot adjust to a different type of work because of your condition.
- Your disabling condition has or will last for at least one year or result in your death.
You will not meet Social Security disability qualifications if you are temporarily or partially disabled. In these cases, you will need to contact other short-term disability supports like workers’ compensation or rely on your insurance, savings, and investments.
To collect SSDI benefits, you must have earned enough credits through your past employment. You get a credit for every $1,510 (as of 2022) you have earned, and you can earn up to four credits a year.
You need 40 credits to qualify, and you must have earned 20 of the credits in the last 10 years before becoming disabled. However, you may still get benefits if you do not have 40 credits because you are young. For example, you might qualify by earning six credits in the last three years before your condition if you are younger than 24 years old.