SSDI refers to the Social Security Disability Insurance program. A disability benefit that provides monthly payments to American employees who are unable to work for more than a year due to a disability or medical condition. To get SSDI disability benefits, you must have paid adequate labour taxes. To get Social Security retirement benefits, a person aged 62 must have worked for at least ten years.
In the United States, a person over the age of 60 must have worked for 9.5 years before being eligible for Social Security Disability Insurance. As can be seen, a worker with a qualifying ailment and a lower age may require less credits.
2 key requirements to get SSDI
The Social Security Administration (SSA) has established two basic prerequisites for receiving monthly payments from the SSDI program. In fact, you must have a medical condition that has prevented you from working for more than a year and meets the Social Security Administration’s rigorous definition of disability.
Aside from your medical condition, you must have worked and paid sufficient taxes to the Social Security Administration. Obviously, there are residency and citizenship restrictions.
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However, the Social Security Administration argues that some lawfully present noncitizens of the United States who meet all of the eligibility conditions may be eligible for Social Security benefits.
How much money could I get from the SSDI benefits in 2025?
If you apply now and are eligible for SSDI payments in 2025, you might receive an average cheque of around $1,580, up from $1,542 following the 2025 COLA hike next January.
The highest SSDI payout in 2024 is $3,822, which will rise to $4,018 in 2025. Of fact, you are unlikely to receive this maximum disability insurance benefit because a handicap can keep you from working in your 20s or 20s.
As a result, you will have limited time to work and pay payroll taxes to the Social Security Administration. Remember that you will not receive your first SSDI payment immediately. It will take some time before you receive SSA approval.
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