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Social Security Disability (SSDI)

man with cane sitting on bed with son

Social Security Disability Insurance (SSDI) is a federal program that pays monthly benefits to individuals with severe, long-term disabilities who can no longer work and have paid Social Security taxes on their earnings. It requires a sufficient work history (work credits), usually 20 credits earned in the last 10 years.

 

Key Aspects of SSDI

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  • Definition of Disability: The Social Security Administration (SSA) defines disability strictly as a medical condition (physical or mental) that prevents you from working, is expected to last at least 12 months, or result in death.

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  • Work Requirements: Generally, you need 40 work credits, with 20 earned in the last 10 years ending when your disability begins. Younger workers may qualify with fewer credits.

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  • Benefits & Coverage: In 2026, the average monthly payment is over $1,500 . Beneficiaries also receive Medicare health coverage after a 2-year waiting period.

 

  • Application Process: If you are a patient at one of The WellFund's Partnered, hospitals you can schedule a call with our Disability Coordinators below.

 

  • Family Benefits: Family members, such as a spouse or children, may also be eligible for benefits based on your record.

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