Who qualifies for Social Security disability insurance?
Summary
Social Security Disability Insurance (SSDI) gives monthly payments to workers who cannot work because of a serious, long-lasting medical condition. To qualify, people must have a qualifying disability, enough work history, and be unable to earn over a set amount from working.Key Facts
- SSDI helps workers who become disabled before full retirement age.
- The disability must be expected to last at least 12 months or cause death.
- Short-term injuries or illnesses usually do not qualify.
- The Social Security Administration has a list of medical conditions for faster review.
- Applicants need enough work credits, earned by paying Social Security taxes while working.
- Most applicants need about 40 work credits, with many earned in the 10 years before disability.
- SSDI checks if applicants can still earn over a certain monthly amount, called substantial gainful activity.
- The agency considers work history, education, age, and medical limits when deciding eligibility.
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