The Social Security Administration (SSA) helps oversee several crucial benefits programs. Workers make regular contributions through payroll withholdings. If they work for long enough, they may be eligible for retirement benefits after a certain age.
Unfortunately, not everyone who works to support themselves can continue working until retirement. Some people develop debilitating medical conditions due to illness or injury. Workers who are unable to continue their employment may need to apply for Social Security Disability Insurance (SSDI) benefits.
To be eligible for SSDI benefits, an applicant needs to meet three main standards. What are the requirements for SSDI benefits that the SSA enforces?
1. A truly debilitating condition
Some people sustain injuries or develop illnesses that affect their jobs. They may no longer be able to work in a physically demanding career. However, they may be able to perform less demanding job tasks.
Generally speaking, a condition has to be severe enough to prevent someone from maintaining any form of gainful employment for them to be eligible for SSDI benefits. Even if they have to accept a massive reduction in income, if they can work, they probably do not qualify.
2. A long-lasting condition
Some conditions are completely debilitating but temporary. A broken leg could prevent someone from performing their job for a few months, but they can expect to make a full recovery with proper treatment.
The SSA does not grant SSDI benefits to those with short-term medical issues. A condition needs to last at least 12 months or be terminal for an applicant to qualify for SSDI benefits. Those dealing with progressive or terminal conditions may qualify for fast-track approval because of the severity of their condition.
3. A lengthy work history
Professionals generally need to have years of employment on record to be eligible for SSDI benefits. Applicants over the age of 31 generally need to have at least 40 credits, with 20 of those credits being from within the last decade.
The most workers can accrue per year is four credits regardless of how much they earn. Younger workers may be able to qualify with substantially fewer credits. They simply need a reasonable work history. Even part-time and seasonal employees who work every year could potentially qualify for SSDI benefits.
Reviewing medical records and work history can help people determine if they can apply for SSDI benefits. Applicants often need help gathering documentation, filling out paperwork and responding if the SSA denies their application.