Re: family/future. Need advice
@16
Yay for double posting. SSDI is pegged to your salary while you're working. Every year, as part of doing your taxes you tell the IRS how much you made, and earn points toward qualifying for SSDI. Hit the point threshold and you can get it, then the value of SSDI is based off your salary. I believe the max is $25000/year, but it's been a while. The other key difference is that SSDI doesn't have strict limits on assets, whereas SSDI doesn't allow you to have more than $2000 saved and counts some physical non-money goods toward that total (the party line is "you've got enough that we're declaring you as not needing it").
If you can get into SSDI it's actually a workable retirement path, basically. I've been told that being blind and just not working for a year is good enough, but I don't know if that's true unless your disability or the job market has sufficiently changed.
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