A person with any disability has to experience economic hardship compared to people without disabilities. However, most people with disability can work, but they still face greater challenges finding work than normal people. Apart from this, many individuals also have severe and long-lasting disabilities. There is no limit to their capacity to work, and they are particularly vulnerable to economic hardship. In addition, it will keep a roof over their head and food on the table, and pay for needed, frequently life-sustaining medications and other basic expenses.
Importance of Social Security Disability Insurance:
Every year an estimated 9 million employees and 2 million family members get Social Security Disability Insurance benefits. In addition to this, almost 1 million military veterans get SSDI. The value of SSDI is significant. It provides critical funds for people who cannot continue earning a living because of a severe disability. These funds will help them pay their bills and provide for food and other necessities. SSDI is an earned benefit.
It is available for Americans with a significant work history and a paid portion of their paychecks into the program. Social Security Disability Insurance provides a modest portion of a worker’s lost earnings and helps to save millions of families from financial hardship. For some, SSDI makes up about half of their monthly income. Undeniably, it bridges a critical economic gap and helps to protect several hard-working middle classes in America. Some of the greatest benefits of SSDI include the following:
- Social Security DisabilityInsurance beneficiaries face serious and, in many cases, life-threatening disabilities.
- It will prevent or limit substantial employment.
- It also helps to reduce poverty.
- Apart from most benefits, the SSDI helps keep about 3 million Americans out of poverty and reduces the depth of poverty for another 1.9 million Americans.
- Disability Insurance is the most important part of Social security. Therefore, it provides modest but major benefits to workers who can no longer support themselves due to serious and long-lasting medical impairment.
- The importance of Social Security DisabilityInsurance looks to grow more each year.
- Any person who suffers from an injury and is disabled will be eligible for SSDI benefits.
Who is Eligible for Social Security Disability Insurance?
The Social security test for disability is very strict. Social security law says that the applicant must be unable to perform any substantial gainful activity due to any medically determinable physical or mental impairment. It can be expected to result in death or has lasted for a continuous period of at least 12 months.
Moreover, the impairment or combination of impairments must be of such severity that the applicant is not unable to do their previous work. In addition, the applicant can’t consider their age, education, and work experience, involved in any other kind of substantial gainful work that exists in the national economy. To be eligible for Social Security Disability insurance benefits, you must be:
- Unable to work because you have a medical condition that is expected to last at least 12 months or result in death.
- Not have a short-term or partial disability.
- Meet with the definition of the disability that SSA set.
- Younger than your full retirement age.
- When you qualify for disability benefits, you’re certain family members may be eligible for Social Security DisabilityInsurance benefits based on your work record.
Social protection is vital for a person who has a disability. It will help them to get independence from their families, enhance their participation and support their ability to live with dignity. There is no doubt that Social Security Disability Insurance improves the productivity, employability, and economic development of disabled persons. Furthermore, it is also essential in mitigating the negative impacts of youth unemployment. In addition to this, it creates access to further education, facilitating their transitions from school to work and enjoyment of at least their important economic and social rights.