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An Overview of Social Security Disability Insurance

Two programs are being enacted by the and can no longer work at all or hold
federal government, which provides down his/her present work, provided that
benefits for individuals with disability. he / she has remitted adequate FICA
Collectively, these programs are being taxes.
referred to as "Social Security Under the SSDI, different kinds of
disability benefits." benefits are provided for family members
• Social Security Disability Insurance when their major wage earner have
Benefits Program or SSDI Benefits - acquired a disability or died.
authorized by the Social Security Act, The SSDI program is being financed by the
Title II and is geared towards providing Social Security taxes being paid by
benefits to workers with disability and / employees, employers and self-employed
or their dependents and surviving spouses individuals. SSDI benefits can be paid to
or children. workers with disability, widows or
• Supplemental Security Income program widowers, and children or disabled since
or SSI - authorized by the Social childhood adults if they are eligible.
Security Act, Title XVI and aimed at Availing SSDI benefits
giving benefits to individuals with The Social Security has a particular
disability whose assets and income are definition of disability that need to be
below a particular level. met in order to become eligible to
History of Social Security Disability receive SSDI benefits. The main
Insurance (SSDI) Benefits requirement to gain medical eligibility
It was in the year 1935 when the U.S. under the SSDI program is the inability
federal government set up a program by an individual to perform any kind of
geared towards providing elderly Substantial Gainful Activity or SGA for
employees of commercial and industrial 12 months or more.
sectors with retirement benefits. The This medical definition of disability is
scheme of this program is enacted through also the requirements used to become
the Federal Insurance Contributions Act eligible under the Supplemental Security
or FICA, setting up a federal retirement Income (SSI) program.
fund that the employees are required to Determining disability
pay into. The employees remit into this The person with disability should have
fund through a regular deduction on their been unable to perform SGA due to an
salary. impairment affecting the physical or
It is the Social Security and the mental capacity and is medically
Medicare programs that are funded after determinable. The impairment can also
the withdrawal of FICA tax from the either be expected to last continuously
employees' salaries. Meanwhile, for at least 12 months or result in
self-employed citizens can contribute to death.
the FICA because of the federal tax Receiving benefits
returns. After meeting the requirements given by
By 1956, some protection policies the disability evaluation and the
covering the "involuntary retirement" disability is already proven, the
options on the basis of disability were payments of SSDI benefits will commence.
established. An individual, even if he / The beneficiary needs to wait for a
she has been forced to stop working period of 5 months since it is during the
because of a disability may still have sixth month after the disability began
access to the disability insurance. It that benefits payment start. It will
would depend, however, on the period he / continue up to the second month's end of
she have paid FICA taxes. the disability.
Objectives of SSDI Become more informed about Social
The main objective of the SSDI is to security insurance benefits with the help
replace the regular income being received of Los Angeles Social Security Attorneys.
by people who have acquired a disability




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