Title II Old-Age, Survivors, and Disability Insurance

Next Topic: Title XVI Supplemental Security Income

  • Title II Programs are “insurance” programs to replace income lost to a family through the retirement, death, or disability of a worker.
  • The Old-Age and Survivors Insurance (OASI) program provides benefits to retired workers and their dependent family members and to survivors of deceased workers.
  • The Disability Insurance (DI) program provides benefits to disabled workers, their spouses, and children (whether or not disabled).
  • The OASDI program and the Medicare program are primarily financed through the collection of payroll taxes under the Federal Insurance Contributions Act (FICA).

Disability Insurance Benefit (DIB commonly called SSDI)

  • Must be fully insured.
  • Must also meet a Disability Insured Status requirement:
    • must have worked in covered employment for at least 5 of the 10 years (20 out of 40 quarters) before the onset of disability or
    • for persons who are blind or became disabled before age 31, a less restrictive insured status requirement must be met.

20 CFR 404.110, 404.120, 404.130