Social Security Disability Income (SSDI)
Social Security Disability (SSDI) is a Social Security program funded with social security funds. It is a government disability insurance program. Coverage is not means based. Coverage is based on having sufficient quarters of Social Security coverage (20 quarters or five years of full time employment) earned during the applicant's employment within the last ten years. Benefits are based on the applicant's earnings history. The disabled wage-earner is entitled to benefits, as are his/her spouse, certain divorced spouses, and children. There are also survivor benefits that may be available to a surviving spouse, divorced spouse, and children. There is a five month waiting period before benefits are paid.
Any recipient of SSDI is also eligible for Medicare after receiving SSDI for two years (after the 5 month waiting period). An SSDI recipient may also be entitled to SSI benefits if his or her SSDI payment along with any other income falls within the SSI income limits discussed above. Of course with SSI comes Medicaid that can supplement Medicare. Thus it is possible that a person can be receiving benefits under all four programs. Also an SSDI recipient, even if not entitled to SSI, may qualify for one of the institutional Medicaid waiver programs that have higher income limits than SSI.
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