What is RSDI? Discover social security benefits for retirees, survivors, and the disabled. See who’s eligible, the types of benefits, and how to apply.
RSDI, an acronym for Retirement, Survivors, and Disability Insurance, encompasses a wide range of benefits provided by the Social Security Administration. These benefits cater to retired individuals, survivors of deceased workers, and those facing disabilities. In this guide, we will delve into the details of RSDI and the crucial benefits it offers.
What Is RSDI?
RSDI consists of three key categories of benefits:
1. Retirement Benefits
Retirement benefits are available to individuals who have contributed to the Social Security system through payroll taxes. These benefits provide a source of income for individuals after they retire. The eligibility for retirement benefits is determined by your work history and the number of work credits you’ve earned. Generally, eligibility begins at age 62, but the full retirement age varies based on your birth year.
2. Survivor Benefits
Survivor benefits are designed to support the surviving family members of a deceased worker who was eligible for Social Security benefits. These benefits extend to spouses, children, and dependent parents. Eligibility and benefit amounts are determined based on the relationship to the deceased worker and other relevant factors.
3. Disability Insurance
Social Security offers two primary disability benefit programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI provides financial assistance to individuals with disabilities who have a qualifying work history and have paid into Social Security through payroll taxes. Eligibility for SSDI requires a disabling condition expected to last at least a year or result in death.
Who Is Eligible for RSDI?
- Retirement benefits depend on your work history and the number of work credits earned by paying Social Security taxes. The full retirement age varies based on your birth year, but you can start receiving reduced benefits as early as age 62.
- Survivor benefits are available to spouses, children, and dependent parents of a deceased worker who was eligible for Social Security benefits.
- To qualify for Social Security Disability Insurance (SSDI), you must have a qualifying disability preventing substantial gainful activity and have a work history with payments into Social Security through payroll taxes.
3 Types of Social Security RSDI Benefits
1. Survivors Benefits
The Social Security Administration provides survivor benefits to the eligible family members of a deceased worker. Benefit amounts depend on the deceased worker’s earnings and the number of eligible family members.
2. Retirement Benefits
Retirement benefits offer financial support to individuals who have reached retirement age and have contributed to Social Security through payroll taxes. Benefit amounts are calculated based on your average earnings over your highest-earning years.
3. Disability Insurance
The Social Security Administration offers two disability benefit programs:
1. SSDI: Requires a work history and payment of Social Security taxes, with benefit amounts based on your earnings record.
2. SSI: Based on financial need rather than work history, it is available to low-income individuals who are aged, blind, or disabled.
RSDI vs. SSDI: What’s the Difference?
RSDI (Retirement, Survivors, and Disability Insurance) and SSDI (Social Security Disability Insurance) are related but distinct programs under the Social Security Administration. SSDI focuses solely on disability benefits, while RSDI covers retirement, survivors, and disability benefits.
How to Apply for RSDI
- Determine Your Eligibility: Check the eligibility criteria for retirement, survivors, or disability benefits under RSDI. Review your work history to ensure you meet the requirements.
- Gather Necessary Information: Collect personal information, including your Social Security number and birth certificate, and details about your work history.
- Choose Your Application Method: Apply with Evans Disability – we can have one of our experienced application specialists walk you through the online application (855-503-0101). Apply online through the SSA website or by phone at 1-800-772-1213 (TTY: 1-800-325-0778). You can also schedule an in-person appointment.
- Complete and Submit the Application: Provide accurate information on the application form, including personal details, work history, and the type of benefit you are seeking. Include any required supporting documents.
- Follow Up and Provide Additional Information: If requested, provide additional information and attend appointments as instructed by the SSA.
- Check Application Status: Monitor your application’s progress online or by contacting the SSA to ensure a smooth processing experience.
Safeguard Your Future: Let Evans Disability Secure Your Benefits
Working with Evans Disability is a valuable way to ensure you apply for and receive the benefits you qualify for. Their knowledge and expertise can guide you in adhering to regulations and guidelines while meeting Social Security’s due dates for various benefit programs.