woman in wheelchair holding a dog's pawsIncapacity is one thing most individuals don’t like to consider, however the probabilities that you just’ll turn out to be disabled are better than you notice. Research present {that a} 20-year-old employee has a 1-in-4 probability of turning into disabled earlier than reaching full retirement age.

Social Safety pays incapacity advantages via two applications:


  1. The Social Safety Incapacity Insurance coverage (SSDI) program.
  2. The Supplemental Safety Revenue (SSI) program.

Social Safety Incapacity Insurance coverage (SSDI)

Social Safety pays advantages to individuals who can’t work as a result of they’ve a medical situation that’s anticipated to final at the very least one 12 months or lead to dying. Federal regulation requires this very strict definition of incapacity. Along with assembly our definition of incapacity, people will need to have labored lengthy sufficient — and just lately sufficient — underneath Social Safety to qualify for SSDI advantages. Whereas some applications give cash to folks with partial incapacity or short-term incapacity, Social Safety doesn’t.

SSDI is funded via payroll taxes. Recipients have labored for years and have contributed to the Social Safety belief fund within the type of Social Safety taxes – acquired underneath both the Federal Insurance coverage Contributions Act for workers or the Self-Employment Contributions Act for the self-employed. These taxes translate into Social Safety “credit.” Certified dependents of a disabled work can also obtain advantages though they might not have labored.

The quantity wanted for a piece credit score modifications from 12 months to 12 months. In 2021, for instance, you earn one credit score for every $1,470 in wages or self-employment earnings. If you’ve earned $5,880, you’ve earned your 4 credit for the 12 months.

Supplemental Safety Revenue (SSI)

SSI gives funds to folks with disabilities who’ve low earnings and few sources. Though Social Safety manages this system, the SSI program is funded by basic tax revenues and isn’t paid for from Social Safety taxes. Additionally, SSI advantages usually are not primarily based in your work historical past.

How You Qualify

It’s vital to know which advantages you could qualify to obtain. Please learn our publications, Incapacity Advantages and Supplemental Safety Revenue (SSI), for extra info. You may also see for those who meet the necessities for incapacity advantages on our How You Qualify web page. If you apply for both program, we’ll accumulate medical and different info from you and decide about whether or not or not you qualify for advantages.

You possibly can apply on-line for retirement, partner’s, Medicare, or incapacity advantages.

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