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Social Security Disability Insurance Benefits

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 Social Security Disability Insurance. Social Security Disability 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. Once you meet your retirement age - 65 or older - your benefits convert from Social Security Disability to Social Security retirement income.

The Social Security Administration's definition of disability is different than other programs you may come into contact with through your employer or private insurance. The Social Security Administration pays only for total disability. No Social Security Disability benefits are payable for partial disability or for short-term disability.

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); and
  • Your disability has lasted or is expected to last for at least one year or result in death.

Due to the strict requirements and definition of "disabled" by the Social Security Administration, only a small percentage of the American population with disabilities will qualify for Social Security Disability benefits. Most people who apply for Social Security Disability benefits are denied. However, the number of people being approved for Social Security Disability benefits is growing and will continue to grow.

Additionally, because the number of people applying for Social Security disability benefits is on the rise, the time for processing applications and administering benefits is taking a long time. The process can be extremely complex and time consuming especially if you are suffering from a disability.

If you have applied for benefits and have been denied but are unable to work due to your disability, call the experienced Tustin Social Security Disability attorneys at Howard Law and let us help you get the benefits you deserve.