What is Social Security Disability Insurance (SSDI)?
SSDI is wage replacement income for individuals who have worked and paid FICA taxes. The Federal Insurance Contributions Act (FICA) tax is a United States payroll tax imposed by the federal government on both employees and employers to fund Social Security and Medicare. SSDI also provides a variety of benefits to family members when a primary wage earner in the family becomes disabled or dies. Social Security Disability Insurance benefits are payable to disabled workers, widows, widowers, and children or adults disabled since childhood who are otherwise eligible.
Social Security Disability Insurance Qualifications
There are more than 4 million people under the age of 65 who receive SSDI because their disability or health condition prevents them from working. To be eligible to receive SSDI you or a qualifying family member must be fully insured under the Social Security program. To be fully insured, you must:
- Have earned at least one quarter of coverage (QC) - also called a "credit" - for each calendar year after you turned 21 from working in jobs covered by Social Security. The minimum number of QCs needed to be fully insured is 6, and the maximum number is 40.
- Have a medical condition that meets Social Security's definition of a disability
- Have a disability that is expected to last at least one year or result in death
If you or a qualifying family member has paid the required amount of your FICA (Social Security) taxes, and your doctor says you simply can't work anymore, you're probably eligible for SSDI benefits (a Social Security Disability Advocate from Binder & Binder® can help determine eligibility).
Nobody wins as many Social Security Disability cases as Binder & Binder®. Unlike law firms, we can say that we are the largest national Social Security Disability advocacy group in America (a powerful advantage when you're taking on a huge government bureaucracy like the SSA).
With a team of advocates that handles Social Security Disability cases throughout the United States, Puerto Rico, the Virgin Islands and all U.S. territories, as well as offices in locations nationwide, Binder & Binder® has the capacity to help you file your Social Security Disability Insurance application and follow up with your claim - no matter where you live.
Whether you're located in Alaska or Hawaii, Texas or New York, or anywhere else in the United States, at Binder & Binder® we are just a phone call away for more information and assistance at 1-800-66-BINDER.