According to the Social Security Administration, studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age. Qualifying for SSDI is based upon stringent guidelines related to work history, age, income, medial conditions, marital status, and more.
Your eligibility is determined by your inability to perform your regular work duties, your inability to perform new work, your disability’s duration, and how long it is expected to last. Certain medical conditions and income can also play a part in your eligibility for SSDI benefits.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a payroll tax-funded, federal insurance program. A portion of the FICA taxes you pay are set aside for SSDI (as well as Social Security Retirement and Medicare).
SSDI, which was established in 1954, is designed to provide you with income if you are unable to work due to a disability or until your condition improves, and guarantees income if your condition does not improve. Then, once you meet your retirement age – 65 or older – you move from SSDI to Social Security retirement income.
The Social Security Administration’s (SSA) definition of disability is different than other programs you may come into contact with through your employer or private insurance. The SSA pays only for total disability. No SSDI benefits are payable for partial disability or for short-term disability.
Am I Eligible for SSDI Benefits?
Eligibility for SSDI is based on your inability to work. You are generally considered disabled by the SSA if:
- You cannot do work that you did previously
- It is determined that you cannot adjust to other work because of your medical condition(s)
- Your disability has lasted or is expected to last for at least one year or result in death
Current State of Social Security Disability Insurance (SSDI)
Only a small percentage of the American population with disabilities will qualify for SSDI. Approximately 3.4 million people applied for SSDI in fiscal year 2011, but many of these were turned down. However, the number of people applying for and qualifying for SSDI has increased dramatically in recent years and will continue to do so in the near future.
A number of factors have created a large backlog in the processing of SSDI applications. For example, the average age among SSDI recipients is 53. Also, over the years new types of disabilities, such as mental disabilities, have been acknowledged by the SSA and this has increased the number of people who qualify. In addition, SSA employees are retiring in large numbers and are not being replaced due to federal funding shortfalls.
The result is that both receiving and administering Social Security benefits has become extremely difficult for those who need SSDI benefits and for the SSA. Currently, more than 780,000 people are backlogged at the SSDI hearing level alone. In 2011, the wait time at the hearing level was 360 days.
To see the average wait time in your area, check out the disability backlog in your home state. Though the SSA is working hard to cut through the backlog, improve its methods and add staff, those with disabilities who go at it alone will continue to face a complex and intimidating process – and long delays in obtaining the SSDI benefits they deserve.
If you need SSDI benefits due to disability that prevents you from earning a living, please dials 3s in St. Louis (314-333-3333 / 573-333-3333) or dial 8s in Fairview Heights (618-888-8888) to talk to an experienced Social Security insurance attorney at Brown & Brown, LLP.