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 another 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.
What Are the Requirements to Get SSDI?
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 $1,410 (as of 2020) 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.
You can apply for SSDI by phone or in person, but the easiest way to apply is online. When you apply for Social Security disability benefits, you will need to submit personal information. This will allow Social Security Administration (SSA) representatives to make an eligibility decision about your condition and if it meets the Social Security disability qualifications.
Applying for SSDI online has a few benefits. First, there is no need to wait for an appointment. Instead, you can apply instantly. Additionally, you do not have to complete the application at one time. You can fill some out, save and come back later to complete the rest.
2. How to Apply for Disability Online Quickly and Easily
After applying, you will get a notice in the mail containing a decision. It will let you know who is eligible for SSDI in your household. Your spouse and dependents may qualify for around 50 percent of the amout you qualify to receive.
To get started, simply visit the Social Security Administration website. You will use your Social Security number in order to login and get started.
On your online application, you will have to answer questions that will help SSA determine if you are disabled. The five questions include the following:
1. Are you working? – If you earn an average of $1,260 each month from working, you are not eligible for SSDI. The SSA will submit your application to a Disability Determination Services (DDS) office to review your medical condition and make a determination based on the next four questions.
2. Is your condition severe? – Your condition must impair your ability to complete basic work-related activities, such as walking, sitting, standing, lifting, and remembering, for at least 12 months.
3. Is your condition on the list? – The SSA keeps a list of medical conditions that limit your ability to work. The list is different for adults than children. Impairments can include conditions that affect your musculoskeletal, respiratory, digestive, neurologic, and immune system, plus more.
4. Can you do the same work you did previously? – The SSA will look into your work history to see if there are any past positions you can do with your disability.
5. Can you do any other type of work? – The SSA will also look into other types of work that fit with your abilities. In addition to looking at your medical condition, they will factor in your age, transferable skills, and past work experience.
If you know you qualify, you may be looking for a Social Security disability benefits estimator to determine how much you will receive. Social Security Disability Insurance (SSDI) will not fully replace your income when you are employed.
However, the amount will be based on your average lifetime earnings. For example, if you made an average of $40,000 for 20 years, your monthly disability amount might be around $2,070.
3. How Much Can the Government Pay You With SSDI?
If your average income for the last 20 years was $80,000 annually, your disability might be $2,952 each month. However, the Social Security Administration (SSA) puts a cap on monthly benefit amounts.
Even if you averaged a million dollars for 40 years, you would not receive more than $3,190 each month as of 2020. Other payments that can affect your Social Security disability benefits limits include:
- Workers’ compensation from a job-related injury or illness.
- Civil service disability benefits.
- State temporary benefits.
- State or local government retirement benefits.
By means of example, you are eligible for $2,200 monthly from SSDI after earning an average of $4,000 a month. Your employer pays your $2,000 each month from workers’ compensation.
Your SSDI benefits will lower to $1,100 for a total of $3,200, or 80 percent of your original pay. The SSA provides a benefits calculator on their website.
It is important to note that you will not receive your Social Security disability benefits immediately. You will need to wait six months from when SSA approves your application before you receive payment.
But not all public benefits will alter your SSDI payments. The SSA will not reduce your benefits because of Veteran Administration benefits or Supplemental Security Income (SSI).