What Is SSDI Insurance Cover?

SSDI is insurance coverage for those who become disabled and have earned enough credits to receive this benefit. A disability is defined as a physical or mental condition that keeps the applicant from holding a job and performing other self-sustaining activities without help. The disability must be present for at least one year prior to application, and expected to result in death or continued disability. Disabilities aren’t limited to physical ailments. There are many debilitating conditions that impair one’s ability to function at a level required for what is considered normal daily living, and thousands of people qualify for disability without even knowing it.

What is a Disability?

Disabilities are measured in percentages, and someone can be considered either partially or fully disabled. Disabilities are divided into five groups: physical, cognitive, sensory, intellectual and mental health. Physical impairment covers conditions such as paralysis, arthritis, chronic pain and other conditions that permanently limit physical functioning of the skeletal or muscular systems. Sensory disabilities are deafness, blindness, and other ailments that affect any of the senses to a debilitating degree.

Cognitive disabilities affect the brain, such as with dementia and Alzheimer’s Disease. Intellectual impairments includes mental retardation and some learning disabilities, such as ADD and ADHD. Mental health conditions that are sometimes considered disabling include bi-polar disorder and depression. There are also so-called invisible disabilities that fall into the various categories, like diabetes, IBS, asthma and epilepsy, that affect people to varying degrees. Disabilities can be inherited genetically, caused in-utero, or they can be acquired at any stage of life.

Social Security and SSDI are not entitlements; they are insurance programs that all employees pay into, and they’re designed to help cover living and medical expenses for workers or qualified dependents who were born with an impairment or who have become disabled. If you want to know more about whether you qualify for SSDI, ssdisabilityapplication.com is an example of a website that can provide guidance and advice. The professionals who run such services have a wide knowledge of the system and can help those seeking help to navigate the sometimes confusing application process.

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