Social Security Disability Insurance (SSDI) is a program that helps Americans with disabilities who can no longer work. It provides crucial financial support to those who qualify. Here’s a straightforward guide on who can receive SSDI benefits, including eligibility requirements and information about additional family benefits.
Qualifying for SSDI
Disability Requirements
To qualify for SSDI, you need to meet one of these conditions:
- Qualifying Disability: You must have a disability that stops you from doing significant work.
- Blindness: You must be legally blind.
Work Credits
You also need to have earned enough work credits. Work credits are earned based on your yearly wages or self-employment income. You can earn up to four credits each year. The number of credits you need depends on your age when you became disabled.
You can check your work credits by logging into your “my Social Security” account on the Social Security Administration (SSA) website.
Steps to Apply
- Create a “my Social Security” Account: Visit the SSA website to set up your account.
- Check Work Credits: Use your account to verify your work credits.
- Submit Application: Complete and submit the SSDI application online.
Family Benefits
Eligible Family Members
Certain family members of SSDI recipients might also be eligible for benefits. These benefits help cover additional living expenses.
Who Can Receive Family Benefits?
- Children: Includes biological, adopted, or stepchildren.
- Spouse: Current spouse or ex-spouse.
- Grandchildren: In some cases, grandchildren can qualify.
Eligibility Criteria for Family Members
- Marital Status: The spouse or ex-spouse must not have remarried before age 60.
- Age: Children must be under 18, or under 19 if still in secondary school full time. Disabled children can receive benefits at any age if the disability began before age 22.
- Other Factors: The SSA considers the duration of the marriage and the SSDI recipient’s earnings record.
Average Payments for Family Members
- Spouses: The average monthly payment is $420.
- Children: The average monthly payment is $493.
Average SSDI Payments
The average monthly SSDI payment is $1,537. This amount can vary based on:
- Age at Filing: When you start receiving benefits.
- Earnings History: Your past income and taxes paid into Social Security.
- Duration of Employment: The number of years you’ve worked.
Additional Assistance
Supplemental Security Income (SSI)
If SSDI benefits aren’t enough to cover your expenses, you might also qualify for Supplemental Security Income (SSI). SSI provides extra financial help for people with limited income and resources.
SNAP Benefits
Supplemental Nutrition Assistance Program (SNAP) benefits can assist with buying groceries. Applying for SNAP can help with food expenses.
How to Apply for SSI and SNAP
- SSI: Apply online through the SSA website or contact your local Social Security office.
- SNAP: Apply through your state’s SNAP office, either online or in person.
Summary
SSDI provides essential financial support to those unable to work due to disability. Family members of SSDI recipients can also receive benefits to ensure further financial stability. Understanding the eligibility and application process can help you and your family get the support needed.
Who is eligible for SSDI benefits?
To qualify, you must have a disability that prevents you from working or be legally blind, and you must have enough work credits.
How do I check my work credits for SSDI?
Log into your “my Social Security” account on the SSA website to check your work credits.
Can family members receive benefits from SSDI?
Yes, certain family members, including children, spouses, and sometimes grandchildren, may qualify for benefits.
What are the average payments for SSDI recipients and their families?
The average SSDI payment is $1,537 per month. Family benefits vary, with spouses receiving around $420 and children around $493 per month.
What additional assistance is available if SSDI payments are not enough?
You may qualify for Supplemental Security Income (SSI) or Supplemental Nutrition Assistance Program (SNAP) benefits for extra financial help.