Disability Insurance

Disability is an impairment that may be cognitive, developmental, intellectual, mental, physical, sensory, or some combination of these.  It substantially affects a person’s life activities and may be present from birth or occur during a person’s lifetime.

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An impairment is a problem in body function or structure; an activity limitation is a difficulty encountered by an individual in executing a task or action; while a participation restriction is a problem experienced by an individual in involvement in life situations

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According to the Social Security Administration (SSA)
They have a physical or mental condition that prevents them from engaging in any "substantial gainful activity" ("SGA"), and the condition is expected to last at least 12 months or result in death,

They are under the age of 65, and generally, they have accumulated 20 social security credits in the last 10 years prior to the onset of disability (normally four credits per full or partial year); one additional credit is required for every year by which the worker’s age exceeds 42.

The work requirement is waived for applicants who can prove that they became disabled at or before the age of 22, as these individuals may be allowed to collect on their parent’s or parents’ work credits. The parent(s) experience no loss of benefits.

. Social Security Disability Insurance (SSD or SSDI) is a payroll tax-funded, federal insurance program of the United States government.  It is managed by the Social Security Administration and is designed to provide income supplements to people who are physically restricted in their ability to be employed because of a notable disability, usually a physical disability.  SSD can be supplied on either a temporary or permanent basis, usually directly correlated to whether the person’s disability is temporary or permanent.
Supplemental Security Income (SSI), SSD does not depend on the income of the disabled individual receiving it.  A legitimately disabled person (a finding based on legal and medical justification) of any income level can theoretically receive SSD.  (“Disability” under SSDI is measured by a different standard than under the Americans with Disabilities Act.) Most SSI recipients are below an administratively-mandated income threshold, and indeed these individuals must in fact stay below that threshold to continue receiving SSI; but this is not the case with SSD.

National social insurance programs
In most developed countries, the single most important form of disability insurance is that provided by the national government for all citizens.  For example, the UK’s version is part of National Insurance; the U.S.’s version is Social Security (SS)—specifically, several parts of SS including Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).  These programs provide a floor beneath all other disability insurance.  In other words, they are the safety net that catches everyone who was otherwise (a) uninsured or (b) underinsured.

In addition to federally funded programs, there are states which currently offer state funded Disability Insurance programs.  These programs are designed for short term disabilities only.  The coverage amount is determined by the applicant’s level of income over the previous 12 months.

Medical evidence is signs, symptoms and laboratory findings and is required to document the claim.  Symptoms, such as pain, are considered but must be reasonably expected to come from a medically determinable impairment which the claimant is diagnosed to have.  The decision is based on a sequential evaluation of medical evidence.

There are a number of other factors that are taken into consideration.

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