Social Security Disability Insurance (SSDI) provides essential financial support to Americans who have disabilities and can no longer work.
Here’s a comprehensive guide to understanding who can receive SSDI benefits in the United States in 2024, including eligibility criteria and information on additional family benefits.
Qualifying for SSDI
Disability Requirements
To qualify for SSDI, you must meet one of the following conditions:
- Qualifying Disability: You must have a disability that prevents you from engaging in substantial gainful activity (SGA).
- Blindness: You must be legally blind.
Work Credits
In addition to having a qualifying disability or blindness, you must have earned enough work credits. Work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year. The number of credits needed to qualify for SSDI depends on your age when you became disabled.
You can check your work credits by downloading a statement from the Social Security website through your “my Social Security” account.
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 may also be eligible for benefits. These family benefits provide additional financial support to help cover living expenses.
Who Can Receive Family Benefits?
- Children: Biological, adopted, or stepchildren.
- Spouse: Current spouse or ex-spouse.
- Grandchildren: In some cases, grandchildren can also 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 attending secondary school full time. Disabled children can receive benefits at any age if the disability began before age 22.
- Other Factors: The SSA considers various factors, including the duration of the marriage and the earnings record of the SSDI recipient.
Average Payments for Family Members
- Spouses: The average monthly payment for spouses of workers with a disability is $420.
- Children: The average monthly payment for children of workers with a disability is $493.
Average SSDI Payments
Average SSDI Payment
The average monthly SSDI payment for recipients is $1,537. The amount varies based on several factors:
- Age at Filing: When you begin receiving benefits.
- Earnings History: Your past income and the taxes you’ve paid into Social Security.
- Duration of Employment: The number of years you have worked.
Additional Assistance
Supplemental Security Income (SSI)
If your SSDI benefits are not enough to cover your expenses, you may also be eligible for Supplemental Security Income (SSI). SSI provides additional financial assistance to individuals with limited income and resources.
SNAP Benefits
Supplemental Nutrition Assistance Program (SNAP) benefits can help you purchase groceries. Applying for SNAP benefits can provide essential support for 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, which can typically be done online or in person.
SSDI provides critical support to individuals who are unable to work due to a disability. Additionally, family members of SSDI recipients may also be eligible for benefits, offering further financial stability.
Understanding the eligibility requirements and the application process can help ensure that you and your family receive the support you need.
FAQs
Who qualifies for SSDI benefits?
Individuals with a qualifying disability or blindness who have earned enough work credits.
Can family members receive SSDI benefits?
Yes, children, spouses, ex-spouses, and in some cases, grandchildren can receive family benefits.
What is the average SSDI payment?
The average monthly SSDI payment is $1,537.
How do I check my work credits for SSDI?
Use your “my Social Security” account on the SSA website.
