Social Security Disability Insurance (SSDI) is essentially a government-run, long term disability insurance program. However, instead of paying a premium directly to an insurance company, as is required to secure and maintain a private disability benefits policy, workers have a portion of their gross pay deducted from their paychecks, and the money is used to fund the Social Security disability benefits programs, including SSDI.
Once a worker has earned enough credits by working for a minimum number of quarters and becomes disabled through injury or illness, claimant can file a claim for Social Security Disability Insurance benefits. If a claimant has not worked enough quarters in the years prior to developing the illness or suffering a debilitating injury, claimant will not be eligible for SSDI benefits.
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