Many people think that Social Security is just a retirement program. But with millions of recipients getting disability payments from Social Security, it's important to know what benefits you're actually entitled to receive.

In the following video, Dan Caplinger, The Motley Fool's director of investment planning, runs through what you need to know about Social Security disability. Dan notes that anyone who pays Social Security taxes for a long enough period of time is entitled to disability insurance, with most people needing to work between five and 10 years depending on their age in order to qualify. He then discusses Social Security's definition of disability, noting that beyond no longer being able to work at one's old profession, it's essential to demonstrate an inability to adjust to other types of work. Family members can also get disability benefits under certain circumstances, including guardians of children under 18 and spouses caring for children under 16. Dan concludes by noting that while Social Security isn't a complete substitute for disability insurance, it's still a helpful benefit to have.

Learn everything you can about Social Security
Whether you need retirement or disability benefits, Social Security plays a key role in your financial security. In our brand-new free report, "Make Social Security Work Harder For You," our retirement experts give their insight on making the key decisions that will help ensure a more comfortable retirement for you and your family. Click here to get your copy today.

Fool contributor Dan Caplinger has no position in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

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