Understanding Social Security Disability Insurance (SSDI)

SSDI is designed for people with a substantial work history

At the Law Offices of James Scott Farrin, we're ready to listen to you, answer your questions and help you chart the best course of action. We understand how important your case is and we're ready to work for you. Whether you are filing your first Social Security Disability Insurance claim or appealing a denied claim, you can rely on our law firm for the help you need with trying to secure benefits. Call 1-866-900-7078.

Social Security Disability Insurance (SSDI) is a program geared toward people with a substantial work history who have developed a disability likely to last at least 12 months or to result in death within 12 months.

Wealth or poverty doesn't matter in the Social Security Disability Insurance (SSDI) program. A person can have significant savings and possessions, or none at all. All that matters is that a person has worked long enough to be considered "insured" for Social Security purposes (usually five out of the last 10 years for people over the age of 31) and that the person has been disabled — or will be disabled — for at least 12 months.

Determining the monthly SSDI benefit

The monthly benefit people are allowed under Social Security Disability Insurance (SSDI) is based solely on the amount of time they've worked and their average income during those years. The Social Security Administration refers to the monthly benefit as a "Primary Insurance Amount" or "PIA." Supplemental Security Disability Insurance (SSDI) recipients or beneficiaries commonly receive Medicare health benefits as well.

Social Security Disability Insurance (SSDI) is financed through Social Security taxes (OASDI). To earn Social Security Disability Insurance (SSDI), the Social Security Administration (SSA) must determine that a person's medical condition prevents him or her from engaging in a "Substantial Gainful Activity" (SGA), which is defined as work that earns more than a minimal level of income.

A closer look at other types of SSDI benefits

Other forms of Social Security Disability Insurance (SSDI) benefits include:

  • Disabled Widow's and Widower's Benefits — Paid to people who are aged 50 or over who have become disabled within a certain amount of time after the death of their spouse.
  • Disabled Adult Child Benefits — Paid to the disabled children of persons who are deceased or who are drawing Social Security disability or retirement benefits.

In 2008, only 30.5 percent of all Social Security Disability claims nationwide were approved after the initial application with an average waiting period of 106 days (about 3.5 months). While many of the denials may have been legitimate, others were due to people not completing the forms completely, accurately or compellingly. An attorney who is certified by the North Carolina State Bar as a Board Certified Specialist in Social Security Disability Law might be able to help clients make the strongest case possible for their disability claims.

Contact the Law Offices of James Scott Farrin

For a free case evaluation, contact an SSDI lawyer in North Carolina today. Call the Law Offices of James Scott Farrin. Call 1-866-900-7078.

You have the power to take back control of your life. You're in charge. Contact a North Carolina SSDI lawyer today who means business. Contact the Law Offices of James Scott Farrin.