Social Security Disability Insurance is also commonly known as SSDI, DIB, and/or Title II. This program is part of the largest of several Federal programs providing assistance to people with disabilities. To qualify for SSDI benefits, you first must have work credits, i.e., worked and paid Social Security taxes. It is important to note that in order to obtain full benefits from this program, you must be found disabled prior to your Date Last Insured (DLI).
The advantage of this program is that in addition to paying disabled workers, auxiliary benefits may be payable to a worker’s dependents as well. Medicare coverage is also included with SSDI; however, this will only be available after 2 years from the date that you were found eligible for disability benefits. As with the Supplemental Security Income (SSI) disability benefits, your disability has to last for at least 12 months and must keep you from working on a full-time basis.