The federal government of the USA has introduced few insurance aid programs to help its citizens to acquire financial support after they are disabled or during their old age. Social Security Disability Insurance (SSDI) is one of such programs offering financial benefits to the legal citizens of the United States of America. The program is operated by the Social Security Administration of the country.

SSDI is one of the broadest of the financial support programs initiated by the Federal Government that offer to assist people with disabilities. The primary motive of the Federal program is to aid people after a particular disability affects their body parts.

Social Security Disability Insurance pays benefits to the insured individuals or their family members. But to receive the benefits it is important that the individual has been employed in a particular company and has paid all necessary Social Security taxes. The program is able to provide financial support for only such people who have paid Social Security taxes, such as employees, independent workers, and employers. It is similar to other insurances a person holds for different things, such as automobiles or a house, to support a person even if she/he become financially weak in certain circumstances.

An individual receives Medicare benefits after the fulfillment of disability reimbursements for two years. The benefits are dependent on the amount of taxes that has been paid for the government. The reimbursements are mainly allotted to:

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  disabled or blind employees and their children
  
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  widows or widowers
  
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  adults disabled since birth.
  

 

Who is eligible for the benefits?

Whoever is looking forward to receive insurance benefit from SSDI has to fall under the eligibility requirement set by Social Security Department. These eligibility requirements are mentioned below:

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  An individual has insufficient income as well as resources to satisfy living needs.
  
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  The individual has to be a legal citizen of the USA. There is a specific category for aliens.
  
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  The monthly compensation varies up to the maximum federal benefit rate that can be included by the state.
  

The SSDI benefit, which is paid to a beneficiary, rests on the total amount of earnings and payments that it has made for the Social Security. The children of claimant are also eligible for receiving the benefits if:

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  The age of the beneficiary's child is of sixteen years and she/he is still dependent.
  
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  The age of the child is below sixteen years and she/he is still studying in the high-school.