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Social Security Disability Insurance: Who’s Eligible and How to Apply for Benefits?

Adults 65 and older and people with disabilities, regardless of age, with limited income or resources, are eligible for basic financial assistance through SSI.

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Social Security Disability Insurance
Social Security Disability Insurance

Social Security Disability Insurance: Retirement workers and those on Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) receive monthly payments from the Social Security Administration.

How does Social Security help people with disabilities?

Adults 65 and older and people with disabilities, regardless of age, with limited income or resources, are eligible for basic financial assistance through SSI, whereas those with a disability and a qualifying work history are eligible for SSDI if they have not reached full retirement age but have a disability.

In order to receive SSDI, you must have paid Social Security taxes as a qualified employee, which is the most significant difference between SSDI and SSI, since SSI is subsidized by the government.

SSDI benefits are available to who?

Those who qualify for Social Security Disability Insurance benefits must prove that they have a serious or total disability, whether it is an injury or an illness that prevents them from doing a substantial gainful activity, according to official information from the agency.

Social Security considers what conditions as disabilities?

  • Amputations, chronic joint pain, and spinal disorders are musculoskeletal disorders
  • Hearing, sight, and speech impairments
  • Asthma, chronic obstructive pulmonary disease (COPD), and cystic fibrosis are respiratory disorders
  • Various cardiovascular conditions, such as arrhythmia, congenital heart disease, and heart failure
  • Diseases of the digestive system, such as those of the bowel or liver
  • Disorders of the genitourinary system
  • Disorders of the blood, such as sickle cell disease and other anemias, bone marrow failure, or hemophilia
  • Disorders of the skin, such as burns, dermatitis, and ichthyosis, a group of about 20 conditions that cause dryness and scaling
  • Diabetes and thyroid disorders are endocrine disorders
  • Multiple-system congenital disorders, such as Down syndrome
  • There are a number of neurological disorders, including amyotrophic lateral sclerosis (ALS), epilepsy, multiple sclerosis, Parkinson’s disease, and traumatic brain injuries.
  • Mental health conditions, such as bipolar disorder, dementia, depression, intellectual disability, and schizophrenia, as well as cancer
  • Human immunodeficiency virus (HIV), inflammatory arthritis, and lupus are immune system diseases

It must be shown that the treatment they are receiving lasts at least one year or that the disease is incurable.

During their working lives, they must also have paid Social Security taxes.

What is the process for applying for SSDI benefits?

A list of helpful documents can be found on the SSA’s website or by calling 800-772-1213. To apply for disability benefits, you will need to have the necessary documents on hand to prove your disability and work history.

You can schedule an appointment with a Social Security representative by calling the number listed above.

A response from SSA usually takes more than six months. If accepted, your payment is calculated as if you had reached full retirement age.

Also Read: $4873 Social Security Payment: Eligibility and Deposit Dates Revealed

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