What You Need to Know About SSDI

Every civilian living under the US government shares the same privileges. But, for certain individuals, like seniors and people with disabilities, they receive additional benefits to help with their everyday lives. One of these is a federal aid program by the Social Security Administration called SSDI. Read on to learn more about it.

What Is SSDI

SSDI, an acronym for Social Security Disability Insurance, is a cash assistance program that helps disabled workers under the age of 65finance their day-to-day expenses. Think of it as their take-home pay during the period they’re unable to work due to their disabilities. If they have a spouse and children, they’re eligible to receive the funding, as well.

The money comes from the Federal Insurance Contributions Act (FICA)that’s taxed from everyone’s paycheck. The Social Security Administration collects the amount that becomes the assistance funding to workers who had become disabled.


While SSDI is free, the qualifications to receive funding are strict. Here are some of the requirements:

  • Work credits from qualifying employment
  • Must be under 65 years old
  • Proof of suffering from a disability that’s expected to last for at least 12 months

Aside from that, the disabled worker should also pass the following:

  • Means test – proof of total inability to work or earn more than $1,070 a month
  • Severity test – the extent of the severity of the disability which interferes with work activities
  • Substantiating medical records – personal documentation of the disabling condition
  • Work test – SSA-held examination for determining if the worker can perform tasks from their previous occupation.

Ticket to Work Programs

SSDI also has limitations. Aside from the strict qualifications, the funding also can’t exceed what the pensioner has paid on their FICA tax. For these, the federal government, in partnership with private organizations, offer other means of providing income specialized for disabled workers such as the SSDI Ticket to Work program.

SSDI is a government-funded cash assistance program for disabled workers. Though it has strict requirements, such as being under 65 years old and having enough work credits, it provides money that helps pay the beneficiary’s everyday expenses. If you’re interested to learn more about it, or for information about the Ticket to Work program for SSDI pensioners, talking with the Social Security Administration (SSA) can help.

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