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Women and SSDI benefits


Celebrating Women's History Month this month means looking at how far women have come over the past decades. However, it also means looking at what constraints and difficulties they still face. Are women afforded the same rights and benefits? And do they have access to the same programs as their counterparts?

According to a recent assessment of the Social Security Disability Insurance program, it was highlighted that this program is an important source of financial security for women in the workforce. By looking at various areas of the program, it is clear that women have benefited increasingly from the SSDI program.

When looking at the current numbers for those colleting SSDI, it is found to be nearly equal with regards to the number of men and women collecting this benefit. While SSDI doesn't discriminate by sex, past data proves that most of its beneficiaries were men for many decades. This is no longer the case. Because of their growing presence in the workforce, more women have earned insurance protection from SSDI. In order to qualify for this program, applicants must have a severe medical impairment and a strong work record.

The gender gap that was clear in the 1990's has now vanished. An unfortunate finding was that on average, women get lower SSDI benefits when compared to men. Even though the gap has narrowed and women spend just as many years in the workforce as men, this gap still shows in the benefits received.

With regards to type of disability, it was found that women were more likely to qualify for SSDI for mental or musculoskeletal impairments. Additionally, it was found that women were more likely to have cancer, but less likely to have circulatory disease or suffer a catastrophic injury.

No matter the reason or your gender, if you are suffering from a disabling injury or condition it is important to understand your rights and options. This means exploring SSD benefits and what program you might qualify for.

Source: Cbpp.org, "Disability Insurance Greatly Boosts Women's Financial Security," March 16, 2018

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