Social Security Disability Insurance (SSDI)

Disability is a subject you may read about in the newspaper, know it as a life changing event that has happened to a friend or family member, or hear about it on the news, but we do not think of it as something that might actually happen to us. The fact is, however, that our chances of becoming disabled are probably greater than we realize as studies show that just over one (1) in four (4) of today's 20 year-olds will become disabled before reaching age 67. This number can be staggering and frightening at the same time. While we spend a great deal of time working to succeed in our jobs and careers, provide for our families, and plan for our futures, few of us think about ensuring that we have a safety net to fall back on should we become disabled. This is an area where Social Security can provide valuable help to you.

The Social Security and Supplemental Security Income Disability Programs: 1.)Social Security Disability Insurance (SSDI); and 2.) Supplemental Security Income (SSI), are the largest of several Federal programs that provide assistance to people with disabilities. While these two (2) programs are different in many ways, both are administered by the Social Security Administration (SSA), and only individuals who have a disability and meet medical criteria for adults or the medical criteria for children will qualify for benefits under either program. The Social Security Disability Insurance (SSDI) program will be discussed here. The Supplemental Security Income (SSI) Program will be discussed under Supplemental Security Income (SSI).

It is very important to note that the definition of disability under Social Security is very different than other programs such as Social Security pays only for total disability; No benefits are payable for partial disability or for short-term disability.

"Disability" under Social Security is based on your inability to work, and you are considered disabled under Social Security rules only if:

  • You cannot do work that you did before;
  • It is decided that you cannot adjust to other work because of your medical condition(s); and
  • Your disability has lasted or is expected to last for at least one (1) year or to result in death.

While this is a strict definition of disability, the Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers' compensation, insurance, savings and investments.

If you believe that you or a loved one are eligible for Social Security Disability Benefits and you are just applying for the first time, have been denied and wish to appeal, or simply want more information about your particular facts and circumstances, then please Contact Us as soon as possible for your free legal consultation so that we can assist you in receiving the benefits that you may be entitled to under the Law.