Disability Insurance

Disability insurance, known as Social Security Disability Insurance (SSDI) in the United States, is an insurance program that workers pay into through wage deductions during the years they are employed. Employers match the percentage of annual earnings that are deducted from workers’ wages, In the event a disabling condition occurs, the disabled person has the right to receive monthly benefits if they are no longer able to earn a living. In general, this condition must be expected to last at least one year or result in death. In order to receive these benefits, applicants must pass two tests. The first is a recent work test that determines how long the disabled person has worked and paid into SSDI based on their age. The second is ...