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What is Title ii Disability Insurance?

Definition of Title ii Disability Insurance

Title II refers to Social Security Disability Insurance benefits that claimants may be entitled to if they have contributed enough in employment taxes and worked long enough to be "insured" through federal disability coverage. Title II is also sometimes referred to as Retirement, Survivors, and Disability Insurance (RSDI) benefits and provides disability insurance if a claimant is injured or disabled with a severe mental or physical health condition and will not be able to work for at least 12 months. The Title II benefit amount is based on the worker's earnings record. Social Security Disability claimants must generally have accumulated 40 credits, 20 of which are earned in the last 10 years ending with the year the Social Security Disability claimant became disabled. Some claimants who are younger may be considered "insured" with fewer credits. The amount of work credits needed to be considered insured may vary each year. Title II Claimants are generally insured up to an estimated 5 years from the date they stopped working. The last day the claimant is eligible for SSDI or Title II Disability benefits is called the date last insured or DLI. Other examples of Title II cases can include disability claims from a disabled child and a widow who meet very specific criteria to qualify for Title II disability benefits. (See also Social Security Disability Insurance).

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