Am I Qualified for SSDI?

Having a disability can be life-changing. It may ultimately affect your capacity to earn a living. For some, a disability could be so disheartening that it completely changed how they look at themselves. Getting social security benefits may not be enough for persons with disabilities to repair what was physically and emotionally taken from them, but it can definitely support them and their families as they try to manage their financial situation.

Social Security Disability Insurance (SSDI) is the monthly benefits given to those determined by the Social Security Administration (SSA) to be qualified for the federal program. If you have a disability and are planning to file for SSDI, SSA would consider a variety of things to decide whether you are qualified or not:

Are you disabled?

Your capacity to work is central to SSA’s definition of disability. For instance, having a disability could mean not being able to accomplish the things that you can do before. A condition can also be defined as a disability if it takes away your capability to adjust to other work conditions. Depending on the agency’s assessment, a person with a condition that meets disability qualifications set by the SSA could be eligible for SSDI.

How long have you worked?

Before being qualified for disability benefits, you must have worked in occupations that are covered by Social Security. Not only that, SSA requires that you must have been employed long enough under Social Security to receive SSDI benefits. According to SSA, a person would typically need 40 work credits to qualify for the program. The equivalence of work credit varies from year to year. For instance, in 2015, one work credit equals $1,220 of wages.

What is your other situation?

Apart from the qualifications mentioned above, the may SSA also look for other qualifications to decide on your eligibility for SSDI. For instance, SSDI applicants who are blind or have low vision may qualify for disability benefits under special ruling.

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