The SSDI program process is notoriously difficult.
In this article, well explain how SSDI works and answer some commonly asked questions about disability benefits.
Who Qualifies for SSDI Benefits?
But having one or more of the listed conditions doesnt mean youll automatically qualify for disability benefits.
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Work History
Tocollect Social Security, including disability benefits, youll typically need 40 work credits.
In 2023, youll need $1,640 of earnings in a quarter to earn one work credit.
You cant earn more than four credits in any given year.
Younger workers who have paid Social Security taxes can qualify with fewer credits if they become disabled, though.
How Do I Apply for SSDI?
Did you know?
Dont delay your system just because you dont have all the documents you need.
Social Security staff will help you locate them.
Do I Need an Attorney to Apply for SSDI?
Charging upfront fees to represent someone in a disability claim is illegal.
What if My system Is Denied?
If your first app for disability benefits is denied, you have four opportunities to appeal.
You typically have a 60-day window to take your case to the next level after your claim is rejected.
How Are Disability Payments Calculated?
But the average SSDI benefit is substantially lower.
Wages tend to increase over time.
Because disabled workers often miss out on their higher-earning years, their average income tends to be lower.
Is Working While Collecting SSDI Allowed?
You canwork while collecting SSDI, but the limits are strict.
In 2023, any month in which you earn at least $1,050 counts as a trial work month.
Whats the Difference Between SSDI vs. SSI?
Unlike SSDI recipients, SSI recipients arent required to have earned work credits.
The maximum monthly SSI benefit for individuals is just $914 in 2023.
Typically, your monthly benefit doesnt change.
Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder.
She writes the Dear Penny personal finance advice column.
Send your tricky money questions to[email protected].
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