Social Security Disability Insurance: The Primer

If you are an employee, part of your salary already supports the Social Security Disability Program

When you are paid as an employee, part of the withholding amounts from your pay check go toward the Social Security Administration and the benefits and services they provide.  Monies received from other sources such as earnings from playing at an online casino usa website would not be considered when paying into Social Security since they are not part of employment with holding. However, you would still have to declare your winnings when paying taxes at the end of the year. You may notice at many affiliate online casino websites they post an admonition to gamble responsibly. However if you are seeking social security disability, online casino usa websites are probably not of the foremost importance in your life.

As an employee, because you contribute to this program, you are entitled to certain benefits if you become disabled and can meet the requirements of the program.

The Social Security Administration (SSA) administers 2 separate programs which pay disability benefits:

•    Social Security Disability Insurance Benefits (SSDI), also called DIB or Title 2 benefits and
•    Supplemental Security Income (SSI), also called Title 16 benefits.

SSDI is a program that pays benefits based on a person's earnings history. Each year, declared earnings are tracked and you earn quarters of coverage. These (QC) referred to as “quarterly credits,” “work credits,” or just “credits.”  To be eligible for SSDI a person needs to have worked 5 out of the last 10 years before becoming disabled. Not sure if you’re eligible for SSDI. Call the Social Security Administration at 1-800-772-1213 and ask them “what is my date last insured. If you qualify for SSDI benefits, you will also qualify for Medicare.

If you are under age 31 the Social Security Disability Insurance  criteria is different.

Supplemental Security Income (SSI) is a needs-based program  designed to help if you’re disabled, blind, or 65 or older and indigent. It has strict limits on the amount of income and assets you can have and be eligible. It is rather complicated to determine whether you fall within SSI’s income limits, as well as figuring out what your SSI payment may be. To qualify for SSI,  a person's acountable monthly income cannot exceed the FBR, the federal benefit rate. The federal benefit rate represents both the SSI income limit and the maximum federal monthly SSI payment and increases annually only if there is a Social Security cost-of-living adjustment. There are exceptions such as if the applicant is participating in the Plan to Achieve Self Support (PASS) program, if the state the applicant lives in has a state supplement that alters the income limit, or if a person is blind, among others.

There is also a SSI program for children called Disabled Child Benefits (SSI DC).

The SSI program has strict limits on the amount of income and assets you can have and be eligible for SSI. Determining whether you fall within SSI’s income limits (as well as figuring out what your SSI payment might be) is pretty complicated.

This site is focused specifically on Social Security Disability Insurance (SSDI), a federal benefits program administered by each state.

How difficult is it to file a claim and receive benefits?

The first two sentences in the Agency Program Description for Social Security Disability says it all:

"The Social Security Administration (SSA) administers several programs which provide benefits to those who are both disabled and meet other program eligibility requirements. The process for determining whether or not a claimant is disabled is complex. "

The purpose of this site is to provide some understanding of this 'complex' process so that a normal person can confidently file a legitimate claim.  We'll start with the basic overview of the hurdles you will have to overcome.

There are basically 2 sets of eligibility criteria that you must meet, specifically, disability and non-disability criteria.  In order for benefits to be awarded, a favorable finding is required for both.

Learn About How You Qualify For Social Security Disability Benefits

To qualify for Social Security disability benefits,  a person must first have worked in jobs covered by Social Security. In addition the person must have a medical condition that meets Social Security's definition of disability.

It's also important to understand that initial claims for disability benefits are usually sent by SSA to a state agency which, following SSA rules and guidelines, makes the initial determination for SSA as to whether or not a claimant meets the disability criteria.

Beyond the actual disability, benefit eligibility and amount for SSDI depends primarily on the earnings of the person against which a claim is being made. 

"In addition to being found disabled, benefit eligibility and amount for SSI benefits depends on income and resources available plus other factors such as residency and US citizenship status.  While a state agency makes a determination concerning whether or not a claimant is disabled, SSA makes a separate determination as to whether all applicable non-disability eligibility requirements have been met.  Both determinations must be favorable in order for disability benefits to be awarded."

Additional Sites With Helpful Information is the U.S. federal government website for information on disability programs and services nationwide. is the official benefits website of the U.S. government. It provides information on how to apply for assistance

The content of this website is provided for informational purposes only, and does not constitute legal advice
Information on SSDI (Social Security Disability Insurance) & SSI (Social Security Insurance)

Social Security Disability Insurance / Social Security Disability / Social Security Insurance