Working professionals typically make regular contributions towards Social Security. Either their employers withhold funds from each of their checks, or they make estimated quarterly payments as self-employed professionals. Most people expect to make use of their Social Security contributions after they retire. They may rely on those benefits to supplement the savings they have set aside for their golden years.
A small percentage of working adults find themselves in a difficult situation where they can’t continue to work. They develop a debilitating medical condition and cannot continue their careers. Many workers in that challenging situation may hope to qualify for Social Security Disability Insurance (SSDI) benefits. There are three main standards that professionals have to meet to qualify for SSDI benefits.
The severity of the medical condition
One of the most important factors when applying for SSDI benefits is gathering adequate proof that the applicant has a serious enough health issue to warrant SSDI benefits. With rare exceptions for certain blue-collar workers, most professionals have to prove that they cannot maintain any gainful employment because of their medical challenges. Someone who previously worked as an engineer and could continue working as a cashier or greeter at a store may not qualify for SSDI benefits. Professionals generally need to show that their health challenges are severe enough to prevent them from maintaining any consistent, gainful employment.
The duration of the malady
There are certain types of medical issues that prevent people from working but do not last very long. Someone with particularly severe fractures may require hospitalization and immobilization. However, they may be able to get back to work in a few months. Those individuals likely cannot qualify for SSDI benefits. Typically, applicants need medical evidence affirming that their condition should last for at least 12 months or for the rest of their lives. Terminal conditions can also help people qualify for SSDI benefits.
An adequate work history
Applicants need to have made sufficient contributions to the Social Security Administration (SSA) to qualify for SSDI benefits. Most applicants need to have accrued at least 40 credits. They also need to have 20 credits from within the last 10 years. Workers can earn one credit per $1,730 earned as of 2024, with a maximum of four credits earned per year.
Applying can be a difficult process. Those who don’t succeed may need help pursuing an appeal. Knowing the basic standards that apply to SSDI benefits claims can help people determine if applying is worth their time. Applicants who have support may have an easier time navigating what can be a complex and frustrating system.
