A more thorough explanation:

SSDI stands for Social Security Disability Insurance. It is a program that provides monthly income to people who are disabled and have paid a certain amount of Social Security taxes. To qualify for SSDI, a person must meet the Social Security Administration's definition of disability and their disability must be expected to last at least a year or longer.

The amount of money a person can receive from SSDI is calculated based on their Primary Insurance Amount, which takes into account factors such as the amount of taxes paid and the person's income level. In some cases, family members of a disabled person may also be eligible to receive SSDI payments.

To apply for SSDI, a person must file an application with the Social Security Administration. The application process can take over 100 days, and if a person is denied benefits, they can appeal the decision.

It's important to note that SSDI is different from Supplemental Security Income (SSI), which provides monthly benefits to disabled or elderly individuals with low incomes. Unlike SSDI, SSI eligibility is based on income level.

John has been unable to work due to a back injury that has left him unable to stand or sit for long periods of time. He has paid Social Security taxes for several years and meets the Social Security Administration's definition of disability. John applies for SSDI and is approved to receive monthly payments to help support himself and his family.

In another example, Sarah's husband has been disabled for several years and receives SSDI payments. Sarah and their children are also eligible to receive SSDI payments due to her husband's disability status.

These examples illustrate how SSDI provides financial support to individuals and families who are dealing with disabilities and unable to work. It helps to ensure that they have a source of income to cover their basic needs and maintain their quality of life.