A percentage of the FICA taxes that you are paying is being used for Social Security Disability Insurance and also for Social Security Retirement and Medicare. Funded using payroll tax, SSDI is a federal insurance program established way back in 1954. The purpose of SSDI is to provide income for those individuals who cannot work because of disability. This means that they are guaranteed to have income until such a time that their condition improves. The SSDI is applicable only until an individual reaches the retirement age which is 65. For individuals 65 years of age and above, they can still receive income this time through the Social Security Retirement Income.
By disability, the Social Security Administration refers only to total disability. There may be other definitions of disability with other employer or private insurance but with the SSA, benefits are not given when partial disability or short-disability is involved. The SSA has set basis on how you can be eligible for a Social Security Disability Insurance. You are eligible for SSDI if you cannot perform the work that you previously do. If you have medical condition(s) that won’t allow you to adjust to other kinds of work, then you are qualified for SSDI. A disability that has lasted for a year entitles you also for SSDI.