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Frequently Asked Questions

What is SSDI and how does it work?

Here's a basic introduction to how Social Security Disability works. Social Security disability insurance (SSDI, sometimes also abbreviated as SSD) is a Social Security program that pays monthly benefits to you if you become disabled before you reach retirement age and aren't able to work.

What does SSDI stand for?

What does SSDI stand for? SSDI stands for Social Security Disability Insurance. It’s insurance that workers earn by paying taxes, so that if you become disabled and cannot work, you can receive monthly cash benefits.

How much can you earn working while on SSDI?

While a disabled (nonblind) person applying for or receiving SSDI cannot earn more than $1,180 per month by working, a person collecting SSDI can have any amount of income from investments, interest, or a spouse's income.

Which is better, SSI or SSDI?

The primary difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) is that SSDI is an earned benefit while SSI is intended for low-income individuals and people over 65. Qualifying for SSDI involves working and earning taxable wages to accumulate enough credits for receiving monthly benefits.

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