Social Security Disability Insurance (SSDI) benefits provide a financial safety net for working professionals. Individuals who suddenly become incapable of working can apply for SSDI benefits to replace their lost income.
SSDI benefits can help cover basic expenses, such as rent and groceries. Some people are uncertain about whether their circumstances allow them to qualify for SSDI benefits. What are the eligibility standards for SSDI benefits?
A lengthy, debilitating condition
The Social Security Administration (SSA) provides a list of potentially qualifying conditions. It also describes what may make conditions severe enough for SSDI benefits.
Typically, professionals only qualify when they have medical conditions that eliminate their ability to work any job, not just the job they currently hold. Additionally, the condition needs to last a year or be terminal for the applicant to be eligible.
A sufficient work history
SSDI benefits are earned benefits rather than an entitlement program. Employees have to have enough credits on record with the SSA to qualify. Most adults age 31 or older must have 40 credits to be eligible. At least 20 of those credits should be from within the last 10 years.
Workers can typically accrue four credits annually, so most adults need at least 10 years of consistent work history to be eligible. Even part-time and seasonal workers may be able to qualify based on their employment history. There are also special rules that make it easier for younger workers to qualify with fewer credits.
Reviewing personal circumstances can help people determine their likelihood of qualifying for SSDI benefits. Professionals may need help submitting paperwork or preparing to appeal after a denied application.