Social Security Disability Insurance (SSDI) benefits are a critical social safety net. People with debilitating medical conditions who cannot continue working may be eligible for regular benefit payments.
People with medical conditions ranging from chronic migraines to intractable epilepsy might apply for SSDI benefits. Learning about eligibility requirements beforehand can help people estimate their chances of success and avoid common pitfalls.
What requirements must people meet to qualify for SSDI benefits?
1. A total inability to work
The Social Security Administration (SSA) has a very high standard for disability. The person’s medical condition must be severe enough that it completely eliminates the possibility of maintaining consistent, gainful employment. People who have to change professions to lower-paid jobs usually are not eligible for SSDI benefits. Applicants typically need medical evidence supporting their claim that they cannot work at all.
2. A lengthy medical struggle
Generally speaking, a debilitating medical condition must last for at least 12 months to make a professional eligible for SSDI benefits. Broken bones, infectious diseases and emergency events, such as strokes, often do not last long enough to make applicants eligible. There are certain exceptions that may apply in cases involving terminal conditions.
3. Long-term employment history
Professionals need to have accumulated enough credits to qualify for SSDI benefits. Workers can earn up to four credits annually. Most applicants need to have 40 credits, as well as 20 credits from within the last 10 years. Younger people may be eligible with fewer credits.
Reviewing medical records and employment history with a skilled legal team can help people determine their likelihood of eligibility. Professionals seeking SSDI benefits may need help applying or appealing a denial of benefits, and that’s okay.