According to the Social Security Administration (SSA), studies estimate that one out of every four workers currently in their twenties will become disabled before reaching full retirement age. Fortunately, Social Security disability benefits are available to provide financial assistance should you develop an injury or illness and are no longer able to work. To be approved, you must meet certain medical and financial eligibility criteria. It’s best to consult a Social Security attorney to determine if you’re a good candidate. However, if you’d like to learn more about the program’s qualification requirements, consider this quick guide first.

How Eligibility Is Determined for Social Security Disability Benefits

1. Work History

Before you apply for disability benefits, your Social Security attorney will see if you have enough work credits. These are accrued every year that you’ve worked and are based on the amount you earned and paid Social Security taxes on. The number of credits you need will depend on how old you are when you become disabled. Typically, those age 31 and older will need between 20 and 40 credits, with at least 20 credits earned in the last 10 years preceding the disability.

2. Medical Diagnosis 

Your medical condition must also comply with the SSA’s definition of disability to qualify for benefits. This means your diagnosis must be expected to last a minimum of 12 months or result in death, you’re incapable of performing the same job duties that you completed prior to becoming injured or ill, and your condition prohibits you from adjusting to other types of work. The SSA also maintains a list of medical impairments that are considered permanently disabling. If your condition is on this list, you’re automatically eligible as long as you meet the work requirements. 

3. Income

When you apply for Social Security disability, you’re not allowed to earn more than a specified monthly amount. If you do, it’s considered substantial gainful activity, and you’ll be ineligible to collect benefits. As of 2019, your income cannot exceed $1,220 per month. This restriction only applies to money you receive from working, not investments or inheritance.

Even if you meet all the eligibility requirements, applying for Social Security disability benefits can be a long and complex process. The Social Security attorneys at Williams and Associates PC in Decatur, GA, will help you properly file a claim, gather documentation, and meet important deadlines. For nearly three decades, they’ve remained committed to protecting the rights of residents throughout Dekalb County and ensuring they get the benefits they deserve. Call (678) 695-3133 to review your case with an experienced Social Security attorney, or visit them online to learn more about the legal services they offer.