What Is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance (SSDI) is a federal program that provides monthly benefits to individuals who can no longer work due to a qualifying disability. It is funded through payroll taxes, meaning eligibility depends on an individual’s work history and contributions to Social Security.

Who Qualifies for SSDI?

• Work history requirement: Applicants must have worked long enough and recently enough, earning sufficient work credits through Social Security taxes.
• Medical disability requirement: The condition must meet Social Security’s definition of disability, meaning it prevents substantial work and is expected to last at least one year or result in death.
• Waiting period: SSDI benefits begin after a five-month waiting period following approval.

SSDI and Medicare

• After 24 months of receiving SSDI benefits, beneficiaries automatically qualify for Medicare coverage, regardless of age.
• Certain conditions, such as ALS (Lou Gehrig’s disease) or end-stage renal disease (ESRD), may allow for faster Medicare enrollment.

How Solace can help

A Solace advocate can assist in navigating SSDI eligibility, gathering necessary medical documentation, and understanding Medicare benefits once approved.

What to do next

Applying for SSDI or need help understanding your benefits? Find an advocate today.