The Social Security Disability Insurance program (SSDI) is a Social Security-run program that provides medical and financial assistance to workers who become disabled before retirement age. If you are a regular employee or a self-employed individual who have worked and paid Social Security taxes for many years, you can start filing an SSDI claim to your local SSA office.
To become eligible for Social Security disability benefits, you should also have enough work credits. These work credits depend on how old you were when you began your disability. Your medical ailment must meet SSA standards regarding their definition of disability. It must be a long-term and severe and is expected to last or has lasted for at least a year. Your disability must also prevent you to do basic work-related activities.
If your disability claim is approved by the SSA, you are expected to receive monthly benefits, back payments and medical assistance in the form of Medicare. Once your claim is approved, you'll have to wait for five months before you receive benefits, after which will be given on the sixth month from the day you were deemed disabled by the SSA.
Monthly benefits – The amount that you'll get each month is determined by your work history and the amount of Federal Insurance Contributions Act (FICA) tax contributions you've provided to the Social Security system during your years of employment.Back payments – Past due benefits or back pay is given to you in a lump sum payment. Its value covers the time you were considered disabled (onset date) up to the date of entitlement of benefits (five months after the onset date).Medicare – Two years after the date of entitlement for Social Security disability benefits, the SSA will issue you medical assistance through Medicare. In some cases where the SSA takes too long in deciding your case, Medicare may be given to you at the same time you are approved of SSDI benefits.