Disability Insurance Basics
What is Social Security Disability Insurance (SSDI)?
Social Security Disability Insurance (SSDI) is a federal program that pays monthly benefits to people who are unable to work due to a disability. SSDI is based on your work history and Social Security taxes paid. The average SSDI benefit is $1,537/month in 2026. SSDI is difficult to qualify for and has long wait times.
Key Points
- SSDI: federal program for people unable to work due to disability
- Based on work history and Social Security taxes paid
- Average SSDI benefit: $1,537/month (2026)
- Difficult to qualify: strict definition of disability
- Long wait times: typically 3-6 months for initial decision; 1-3 years for appeals