2 min read
24 May

Disability insurance provides essential protection for individuals and their families in the event of unexpected illness or accidents. It serves as a financial safety net when you are unable to work and earn an income due to a non-work-related injury, illness, or other qualifying conditions. Let’s explore the key aspects of disability insurance in both the United States and Canada:

United States: Social Security Disability Insurance (SSDI)

How You Qualify for SSDI:

To qualify for Social Security Disability Insurance (SSDI) benefits in the United States, you must meet the following criteria:

  1. Work History: You must have worked in jobs covered by Social Security.
  2. Medical Condition: You need to have a medical condition that meets Social Security’s strict definition of disability. Generally, SSDI pays monthly benefits to individuals who are unable to work for a year or more due to a disability.
  3. Waiting Period: There is a 5-month waiting period, and your first benefit payment typically occurs in the 6th full month after the date your disability began.
  4. Special Rules: If you had a disability during the 12 months before applying, SSDI benefits may be paid retroactively.
  5. Continued Benefits: Benefits usually continue until you can work again on a regular basis. Work incentives help ease the transition back to work.
  6. Full Retirement Age: If you receive SSDI benefits when you reach full retirement age, they automatically convert to retirement benefits without a change in the amount1.

Work Credits and Qualification:

Canada: Disability Insurance


Whether you’re in the United States or Canada, disability insurance plays a crucial role in safeguarding your financial well-being during challenging times. If you have any specific questions or need further information, feel free to ask! 

For more details, you can visit the Social Security Administration’s Disability Benefits page for the U.S. and the Government of Canada’s Disability Insurance page for Canada12.                                                         

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