Social Security disability benefits help millions of Americans reduce the financial hardship that comes with being unable to work because of an injury or illness. If a serious medical condition has prevented you from earning a living, this may be the solution you need to provide for yourself and your family. However, before applying, it’s important to make sure you meet the program’s criteria. Here is an overview of what the Social Security Administration (SSA) considers to determine whether or not someone qualifies for benefits. 

Eligibility Requirements for Social Security Disability

Work Credits

To be eligible for disability benefits, you will need to have worked long enough and recent enough to accrue the required amount of work credits. At 60 years old, you must have worked five out of the last 10 years and a lifetime total of at least 9.5 years. The number of credits needed will depend on your age at the time your disability occurs. Typically, 40 credits are required for older workers.

Medical Condition 

Next, you must meet the SSA’s definition of disability. This means your injury or illness has restricted you from doing the kind of work you did before becoming disabled, you’re unable to perform other types of work, and your medical condition has lasted or is expected to last at least 12 months or result in death. Additionally, the SSA has a listing of impairments that automatically qualify for Social Security disability, including:

• Musculoskeletal problems
• Neurological disorders 
• Senses and speech issues
• Cancer 
• Respiratory illnesses

If your condition isn’t specifically mentioned in the listing of impairments, it’s likely that additional steps will be taken to evaluate if it fits the definition of disability. 

Income  

Finally, there is a limit on how much you can earn through work while receiving disability benefits. In 2019, the amount is $1,220 a month for disabled applicants and $2,040 a month for blind applicants. Earning more than this means you’re capable of substantial gainful activity. There isn’t any limit on how much you can bring in from unearned income, such as investments or a spouse’s income. 

Though you’re not required to hire an attorney to help with your Social Security disability claim, it’s in your best interest to seek counsel and guidance through the application process. The legal team at David W. Kapor & Associates has extensive experience with complex Social Security cases and can answer any questions you might have about collecting benefits. With a history of service that spans more than 30 years and an impressive track record of success, it’s not hard to understand why so many Cincinnati, OH, residents turn to them for assistance obtaining the disability benefits. Call (513) 721-2820 to schedule a consultation, or visit them online for more helpful information.