People who cannot work may need disability benefits. Not everyone has private disability insurance to protect them. Many people may qualify for federal disability benefits if they cannot work anymore. Some people with disabling medical conditions may qualify for Social Security Disability Insurance (SSDI) benefits.
If a medical condition is so severe that an individual can no longer work at all, they may potentially be eligible for SSDI benefits. Simply needing time away from work or moving to a less-demanding career due to medical restrictions isn’t enough to qualify for SSDI benefits in most cases.
Applicants for SSDI benefits need proof that they have a condition that completely prevents them from working. Typically, their issue must also last 12 months or longer. The applicant also needs a sufficient work history to qualify for benefits. SSDI benefits are earned benefits, not an entitlement program. How long must applicants work to be able to apply for SSDI benefits?
Age determines eligibility requirements
Many people seeking SSDI benefits are adults who have worked for decades already. Their work history has resulted in an accumulation of credits that allow them to request Social Security benefits. Those over the age of 31 usually need at least 40 credits. They also need to have worked recently. At least 20 credits should be from within the last 10 years.
Workers can earn up to four credits annually based on their income. The Social Security Administration (SSA) awards one credit for every $1,730 earned. Anyone who works full time can easily accrue four credits every year. Even those with seasonal or part-time jobs can accrue enough benefits to be eligible for SSDI benefits.
Credit requirements are lower for younger applicants. People between the ages of 24 and 31 might qualify with enough credits to show they worked roughly half the time since they turned 18. Applicants who are under 24 years old can qualify with as few as six credits on record.
Those who may need SSDI benefits may also require support throughout the application process. Reviewing medical documentation and work history can help people determine the likelihood of qualifying for SSDI benefits. People who begin the process with support may improve their chances of success.