For workers unable to support themselves due to a debilitating injury or serious illness, Social Security disability provides vital income replacement and health care benefits. However, the qualifications are noticeably strict, including much more than just your medical condition. Here is an explanation of all of the aspects the Social Security Administration (SSA) considers when reviewing your application.

Work History

As an insurance program, Social Security disability is funded by taxes withheld by workers’ paychecks. Under current law, workers earn a single work credit for every $1,360 in wages earned, up to a maximum of four credits per year. Most disability applicants will need a minimum of 40 work credits, 20 of which were earned in the 10 years preceding the onset of a disabling condition. However, younger workers might be able to qualify with less, depending on their age.

Ability to Work

Social Security disability is not means-tested, so you don’t need to exhaust your resources before qualifying for benefits. However, the program is reserved for those who are unable to participate in any gainful economic activity. Currently, anyone earning more than $1,220 per month is ineligible for disability, regardless of their medical condition.

Medical Impairment

The SSA maintains a Listing of Impairments that it considers severe enough to qualify for benefits, including mental health issues, chronic diseases, and traumatic injuries. If your condition isn’t listed, you may still be eligible if you can show that your impairment is as severe as one included in their list. This often includes assembling medical records and other evidence showing that you’re unable to do economically meaningful work of any kind.

With over 90 years of combined experience and an in-depth understanding of Social Security disability law, the attorneys at Agee Clymer Mitchell & Portman have the resources and skills to guide you through the process. With offices in Columbus, Circleville, and Chillicothe, OH, they build a reputation for reliability and have a compassionate approach to the law. Visit their website to learn more about their services, or call (614) 221-3318 to schedule a consultation.