Why Not Take Social Security Disability Insurance?


Social Security Disability Insurance, SSDI is a federal program under which cash benefits are given to a disabled person. There is an initial interview before one can apply for the benefit under this program. For this interview, you are supposed to present some documents which include social security number, name, addresses, contact numbers of the doctors and your work history. There are some disability determination provisions which should match to qualify for the SSDI benefits. These include:

* You can't be eligible for this benefit if you are earning $500 a month.
* Your disability should be of such nature that it interferes with the basic work.
* If the disability comes in the social security list, your application will automatically be processed.
* Your disability should be severe enough to interfere with the work you have been doing for the last 15 years.
* Your disability should make you unable to do any other work different from your previous one.

Moreover, you can qualify for the SSDI benefits only if you have worked long enough to match the social security condition. SSDI does not start payment before the six months from the day one became disabled. Since, the total process takes long; the enquiries are done to examine the medical reports submitted by the claimants. In addition, disability is reviewed after every 6 to 8 months, 3 years, and lastly at the 7 year interval.

SSDI benefits are also available for children of age not more than 18 years. But they are not required to meet the statutory definition of disability. However, if a child is getting the disability benefits and becomes an adult SSDI benefits will be stopped. But he will continue getting benefits if his disability still continues. Almost all of the American states have implemented the Social Security Disability Benefits, although the provisions of the law regarding disabilities differ from state-to-state.