Social Security disability benefits are designed to help individuals who can no longer earn a living wage because they have sustained a debilitating injury or developed a disability. To prevent people from abusing this federal program, there are strict eligibility requirements, as well as a rigorous application process. In fact, the requirements are so strict that nearly 70% of all initial claims are denied. Although some claimants go on to file a successful appeal, many do not. For this reason, it’s wise to determine if you meet the eligibility requirements before devoting a lot of time to the application process.  

How Do You Qualify for Social Security Disability Benefits?

Accumulate Enough Social Security Work Credits

To receive disability benefits, you must have been employed in a position covered by Social Security for a certain amount of time and thus amassed enough credits to qualify. Employees earn work credits based on their annual income, and they can accumulate up to four credits per year. The precise amount of credits you will need to receive benefits depends on your age when you apply. Younger individuals require fewer credits, but in general, you will need 40 credits, and you must have earned 20 of them within the prior decade.

Meet the SSA’s Definition of Disabled

Social Security disability benefits are only for those who suffer from total debilitation. Individuals with a short-term or partial disability do not qualify. Under the Social Security Administration’s definition, disabled individuals are eligible for benefits if they can no longer perform the work they did before; cannot adapt to perform other kinds of work because of their condition; and received a prognosis that their disability is expected to last for at least one year.

If you think you are eligible for Social Security disability benefits based on the above criteria and you want to apply or file an appeal after receiving a denial, turn to the compassionate team at Woodlawn Law Offices. Based in O’Fallon, MO, they are proud to help clients throughout the area with everything from estate planning to family law. Visit the website to learn more about this general practice firm, or call (636) 240-6667 to schedule an initial consultation.