What is Social Security Disability Insurance (SSDI)?
Social Security Disability Insurance (SSDI) is a Federal program that provides financial assistance to those who are unable to work due to a disability. In Oklahoma, the SSDI program is administered by the Social Security Administration (SSA). To be eligible for SSDI, an individual must have worked long enough in jobs covered by Social Security to earn a certain number of “credits.” These credits are based on the amount of wages or self-employment income earned over the course of one’s career. The number of credits an individual must have varies based on age and the disability. The amount of benefits an individual receives is based on their average earnings over the course of their working career. Additionally, to receive SSDI benefits, an individual must have a severe medical impairment that is expected to last at least 12 months or result in death. The SSA evaluates claims using a series of five steps, which includes determining if an individual is working, considering the severity of the impairment, analyzing the medical evidence and determining if the individual has the capacity to do work they’ve done in the past. In Oklahoma, the SSDI program is regulated by the state’s disability planning law, which provides guidance on how the program is administered, including eligibility requirements, what types of medical evaluations and proof are needed, and how appeals are handled. The state also provides resources to help individuals understand the program and their options for applying and appealing an SSDI decision.
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