Social Security Disability Insurance (SSDI) is a critical component of the Social Security program that
offers essential protection to workers who experience severe and long-lasting disabilities. While often
associated with retirement benefits, SSDI provides a crucial safety net for individuals who find
themselves unable to work due to significant medical conditions. For many, especially those starting their
careers, SSDI represents a vital layer of security against unforeseen health challenges that could disrupt
their ability to earn a living.
Workers contribute to SSDI through payroll taxes, earning this protection as a part of their employment
benefits. This earned benefit ensures that, should they face debilitating health issues, they have a
support system in place. Currently, 161 million workers are covered by SSDI, with around 7.3 million
receiving benefits. This widespread coverage underscores the program’s importance in safeguarding
workers’ financial stability when faced with severe disabilities, highlighting that SSDI is more than just a
retirement program—it’s a fundamental aspect of workers’ financial security.