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Most people think of Social Security as a federal government agency that sends your grandparents a check every month, and as a program that will most likely run out of money long before most of us turn 65.

Social Security is not just about retirement – Social Security also pays disabled workers under its SSDI program.  SSDI stands for Social Security disability insurance and it provides monthly checks to workers younger than age 62 who have paid taxes into the Social Security system and who cannot work because of a medical or mental health problem.

SSDI is not automatic – a claimant has to prove to a Social Security adjudicator or judge that he cannot work – but successful SSDI claimants often gain a certain peace of mind that their allegations of disability have been recognized by an independent finder of fact.

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About Jonathan Ginsberg