When a person suffers a serious disability, it can often impact their ability to work, earn money, and pay for their expenses. For qualifying individuals, the U.S. government offers assistance in the form of Social Security Disability Insurance benefits. But who qualifies?
SSDI MEDICAL REQUIREMENTS
For the purposes of SSDI benefits, only individuals with disabilities that are expected to last for at least one year or result in their death will qualify. Additionally, this disabling condition must prevent you from doing the same work you performed before, and makes it impossible for you to adjust to other comparable work. Some disabling conditions include:
- Cardiovascular problems
- Musculoskeletal conditions
- Neurological disorders
- Severe mental disorders
WORK CREDIT REQUIREMENTS
The Social Security Administration requires you to “pay in” to the system before you can qualify for benefits. They will assign you one credit for each quarter you’ve worked, and you must have a certain amount of credits depending on what age you are.
Additionally, there is something called the “recent work test” which requires you to have worked a certain number of years in a specified period of time – this will also vary by age. For example, a 26 year old must have worked at least half the time since they turned 21. A 35 year old, meanwhile, must have worked at least 5 of the 10 years immediately before becoming disabled.
OTHER SSDI LIMITS
Since the SSDI benefits are designed to help those who are unable to perform “substantial gainful activity,” there is a cap on how much work-related income you can earn each month. Currently, this cap is set at $1090/month. This does not apply to other income from investments, inheritance, and similar.
If you’re unable to work due to a debilitating condition, we can help you get the money you need. Call McMahan Law Firm today at (706) 956-2395