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What are SSDI Benefits?

SSDI is for individuals who have been disabled and who are no longer able to work, but they have worked and paid FICA taxes for a qualifying number of quarters to be considered "insured". The SSDI benefit amount will not be the same for everyone but will be calculated based on an individual's work history.

SSDI monthly benefit payments cannot begin until you have been disabled for five full months. Disability benefits are not awarded for the 5 month waiting period. If your Social Security Disability Insurance application is approved, the Social Security Administration will send you written notification telling you the amount of the disability benefit you will receive and the date that Social Security Disability benefits will begin.

SSDI is a disability program which provides disability payments to workers who have a severe mental or physical health condition which is expected to last for at least 12 continuous months and who are no longer able to work or to perform work at a "substantial level". SSDI benefits may also be paid to the widow, widowers and children of insured and disabled workers.

In addition to the medical criteria established by the Social Security Administration (SSA), workers must also have worked long enough and paid enough in payroll taxes to be considered "insured" by the SSA. The Social Security Administration determines the number of work credits that must be accumulated by disabled workers to qualify for SSDI, and the number of credits needed to qualify for Social Security Disability Insurance can vary if you become disabled at a young age.

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