If you are unable to work at your job because of a medical or mental health condition, you might be considering Social Security Disability Insurance (SSDI). This form of help is aimed at people who have worked in the past and now need financial assistance. It's important to understand the basic requirements of qualifying for SSDI. Read on and learn more.
The Basic Requirements for SSDI
In general, the Social Security Administration (SSA) requires that claimants demonstrate the four basic requirements below:
1. Work history: You must have worked in jobs that are covered by Social Security and have earned enough work credits (based on your age) to be considered "insured" by the SSA. The SSA uses a complex method of calculating your work history known as work credits. You are expected to have worked and earned a minimum amount of money during a certain amount of time.
2. Medical condition: You must have a medical condition that is severe enough to prevent you from working and is expected to last for several months or result in death. Your condition must be serious enough to prevent you from performing the duties of your job. Speak to an SSA caseworker to learn more about not only specific conditions but the requirements for proving the severity of your condition.
3. Substantial gainful activity: You cannot be working and earning more than a certain amount of money each month (the amount changes each year). When you apply for benefits, you must not be working at a job that pays any income at all. Once you are approved for benefits, certain SSA programs may allow claimants to work making limited amounts of money.
4. Inability to adjust to other work: Your medical condition must prevent you from adjusting to other types of work, considering your age, education, and work experience.
To apply for SSDI, you can either apply online at the SSA website, call the SSA toll-free number, or visit your local SSA office. You will need to provide detailed information about your medical condition, work history, and other personal information.
It's important to note that the SSDI application process can be lengthy and complex, and many initial applications are denied. If your application is denied, you have the right to appeal the decision and have your case reviewed by an administrative law judge. It may be helpful to consult with a Social Security disability lawyer to assist you in the application and appeals process.Share