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Paying Your Bills When You Can’t Work: Disability Benefits

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Disability can be devastating to an individual or family’s finances. Social Security offers different benefits for disability. The benefits are complex, with sometimes-ambiguous rules for qualifying and many requirements that are distinct from other areas of Social Security.

This section offers an extremely brief overview of Social Security Disability Insurance (SSDI). Turn to Chapter 11 for a detailed examination of this important and complex area, including information on how the SSA defines disability and the medical evidence applicants need in order to make a claim.

If you’re disabled, you may apply for SSDI benefits or for a separate program called Supplemental Security Income (see the next section), which targets the needy.

The SSA also runs a special federal program for miners who suffer from black lung disease. For more information on the Federal Black Lung Program, you can download the publication available online at www.dol.gov/owcp/dcmwc/regs/compliance/cm-6.pdf or go to www.dol.gov/owcp/dcmwc/.

Social Security For Dummies

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