SSDI stands for Social Security Disability Insurance. SSDI is a provided by the United States government and SSDI provides income to individuals who are unable to work because of a disability.

How does the Social Security Administration Define a Disability under SSDI?

In order to receive SSDI, you must meet the Social Security Administration's (SSA) 3 requirements for a disability:

1. You cannot do the work you previously did
2. You cannot adjust to other work because of your medical condition
3. Your disability is long term. A long-term disability is one that has lasted at least a year or is expected to last at least a year. Your disability is also considered long term if it is expected to eventually result in death.

- Tip: You will not receive SSDI for a partial or short-term disability.

Who Pays for SSDI?

Social Security Disability Insurance is a tax-funded federal insurance program provided by the United Sates government. It is managed by the Social Security Administration. To apply for SSDI, you can complete an application on the Social Security Administration's website.

What Determines How Much I get from SSDI Benefits?

SSDI benefits are based on your work history and your past earnings. The average monthly SSDI benefit in 2009 was near $1,000.

- Tip: SSDI benefits are based on your average earnings for all the years you have worked, not just your most recent salary.

How Many People Apply for SSDI Each Year?

Studies show that a 20-year-old worker has a 30% chance of becoming disabled before reaching retirement age. Given this fact and the fact that the SSA has recently acknowledged new disabilities (such as mental disabilities), more than 3 million Americans are expected to apply for SSDI in 2010.

What is the Chance That My SSDI Claim will be Denied?

According to the Social Security Administration, over 60% of SSDI claims are denied. It is suggested that you hire a Social Security lawyer to help you with the application process and improve your chances of receiving SSDI benefits.

How Long Does It Take the SSA to Process My Application for SSDI Benefits?

You can expect the Social Security Administration to make a decision five months after you have filed for disability benefits.

If you are denied SSDI at the application state, you can appeal the decision and request for a hearing. It may take 12-24 months to get a final hearing decision.

When can I Expect My First SSDI Payment?

If your SSDI application was approved by the Social Security Administration, you can expect to receive your first payment after a five-month waiting period. Your payments will continue for the rest of your life. If you are able to work again, SSDI will provide "work incentives" and stop sending you SSDI payments.

How Much can SSDI Help Me and My Family?

If the application process to apply for SSDI benefits seems overwhelming, don't get discouraged! A Social Security Disability lawyer can help you during the application process and improve your chances of receiving SSDI benefits.

In addition to receiving a monthly payment, Social Security Disability Insurance has many other benefits. For example, you may be eligible for a prescription drug plan, medical benefits and protected retirement benefits.