Don’t be fooled by its name—social security disability insurance is unlike most other insurance policies. A wage replacement income for eligible individuals paid for by the Federal Insurance Contributions Act, SSDI does not require you to spend any time comparing multiple quotes online to find the cheapest premium. Instead of you having to pay for the service, FICA takes care of it.

If you have worked and paid FICA taxes, then you could be eligible for social security disability insurance. Your family will prosper from attractive benefits if you ever become disabled or pass away.

Eligibility requirements for social security disability insurance include:

1. You have paid your dues by paying FICA taxes for an extended period of time
2. You have earned a minimum of $1,090 and paid FICA taxes in a three-month period
3. You can earn a total of four work credits in one year
4. The number of work credits needed to qualify for social security disability insurance depends on your age when you become disabled

Contact your Social Security office to find the exact ages and work credits needed to qualify for social security disability insurance. Although it’s a rewarding service, the application process can take up to six months to go through. On top of that, you’ll have to wait a full five months after you become disabled for your beneficiary to see any of your assets.

Get Expert Help with Social Security Disability Insurance

Don’t just assume that social security disability insurance is like other insurance policies. The process to acquire it is completely different, so contact your Social Security office today to help steer you in the right direction.

Staff contribution: Rafael Onak