[20150123]IF10053_管理残疾保险名单增长的选项.pdf

https:/crsreports.congress.gov January 23, 2015Options to Manage the Growth in the Disability Insurance RollsSocial Security Disability Insurance (SSDI) provides benefits to nonelderly workers with certain disabilities and to their eligible dependents. As in Old-Age and Survivors Insurance (OASI)Social Securitys retirement programbenefits are based on a workers past earnings. In December 2014, SSDI provided disability insurance to more than 151 million people and paid benefits to about 9 million disabled workers and 2 million of their spouses and children. To qualify, individuals must have worked and paid Social Security taxes for a certain number of years and be unable to engage in substantial gainful activity (SGA) due to a severe mental or physical impairment that is expected to last for at least one year or result in death. In 2015, the monthly SGA earnings limit for most individuals is $1,090. In general, disabled workers must be unable to do any kind of substantial work, taking into account age, education, and work experience. In December 2014, the average benefit for a disabled worker was $1,165. For spouses and children of disabled workers, the monthly benefit averaged $31