SSDI stands for Social Security Disability Insurance. SSDI benefits are disability payments paid to those who can no longer work because of a disability or a serious condition. SSDI benefits are based on the amount of work credits and work history that an individual has, as well as the severity of the disability. In order to qualify for SSDI benefits, you will need to have paid taxes though FICA, have enough work credits and have a disability that will make it impossible for you to work for at least 12 months. If you became disabled before you reach the age of 24, you need to have at least 6 work credits to qualify for SSDI and 12 credits if your age is between 24 and 31. If you are over 31, you need to have earned 20 work credits in the past 10 years before you became disabled to be eligible for SSDI. To file for SSDI disability benefits, you must either be a blind or disabled worker, an adult who has been disabled since childhood, or otherwise eligible to apply according to SSA's rules. The amount of your monthly disability benefits will be based on your Social Security income record.
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