{"id":5723,"date":"2023-11-15T16:00:00","date_gmt":"2023-11-15T16:00:00","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=5723"},"modified":"2023-11-15T09:56:09","modified_gmt":"2023-11-15T09:56:09","slug":"social-security-disability-insurance-benefits-how-to-apply","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/insurance-guide\/social-security-disability-insurance-benefits-how-to-apply\/","title":{"rendered":"Social Security Disability Insurance: Benefits & How to Apply"},"content":{"rendered":"

Social Security Disability Insurance (DI) pays monthly benefits to workers who are no longer able to work due to a significant illness or impairment that is expected to last at least a year or to result in death within a year. It is part of the Social Security program that also pays retirement benefits to the vast majority of older Americans. <\/p>

Benefits are based on the disabled worker\u2019s past earnings and are paid to them and their dependent family members. <\/p>

To be eligible, a disabled worker must have worked jobs covered by Social Security.<\/p>

Overview of social security disability insurance<\/strong><\/span><\/h2>

The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that assist people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.<\/p>

Social Security Disability Insurance\u00a0pays benefits to you and certain members of your family if you are “insured,” meaning that you worked long enough and paid Social Security taxes.<\/p>

Supplemental Security Income\u00a0pays benefits based on financial need.<\/p>

Workers and employers pay for the DI program with part of their Social Security taxes. Workers and employers each pay a Social Security tax that is 6.2% of workers\u2019 earnings up to a cap of $127,200 in 2017. The cap is adjusted each year to keep pace with average wages. Of the 6.2%, 5.015% goes to pay for Social Security retirement and survivor benefits and 1.185\u00a0percent pays for disability insurance. <\/p>

The combined tax paid by workers and employers for disability insurance is 2.37% of wages, while the combined tax for retirement and survivor benefits is 10.03%, for a total of 12.4%.<\/p>

Workers earn SSDI benefits through work<\/strong><\/span><\/h3>

Social Security disability insurance protects over 159 million workers. To become eligible for benefits, beneficiaries must meet stringent criteria:<\/p>