Social Security Disability Insurance (SSDI) provides financial assistance to individuals who can no longer work due to a serious medical condition. However, qualifying for benefits requires meeting strict medical and work history requirements. Letโs break down the process to see if you qualify.
Medical Conditions
The Social Security Administration (SSA) has a Listing of Impairments, which includes conditions severe enough to prevent substantial gainful activity (SGA). These conditions must be:
- Permanent
- Expected to result in death
- Expected to last at least 12 continuous months
If a condition meets or equals a listed impairment, the applicant is typically deemed disabled.
Work History Requirements (WHR)
To qualify, applicants must have worked in Social Security-covered jobs and earned enough work credits:
- Work credits are based on annual wages or self-employment income
- Maximum of four credits per year
- Typically, 40 credits are required, with at least 20 earned in the last 10 years
Medical Condition Requirements (MCR)
To be eligible, the condition must:
- Prevent substantial gainful activity (SGA)
- Render the applicant unable to perform previous work
- Last at least 12 months or be expected to result in death
What If Your Condition Isnโt Listed?
If your condition is not included in the Listing of Impairments, you may still qualify if you can prove that it is as severe as a listed condition.
SSA follows a five-step evaluation:
- Are you working?
- Is your condition severe?
- Is your condition in the Listing of Impairments?
- Can you perform past work?
- Can you do any other type of work?
Waiting Period and Back Pay
- There is a five-month waiting period before SSDI payments begin
- Benefits may be retroactive for up to 12 months before the filing date if the disability existed during that time
If you believe you qualify, itโs best to apply as soon as possible. SSDI applications can take time, and many initial claims are deniedโso be prepared to appeal if necessary.
FAQs
How many work credits do I need for SSDI?
Typically, 40 credits, with 20 earned in the last 10 years.
What conditions qualify for SSDI?
Any condition in SSAโs Listing of Impairments or one as severe.
Is there a waiting period for SSDI?
Yes, there is a five-month waiting period before payments start.
Can I qualify for SSDI if my condition isnโt listed?
Yes, if you prove itโs as severe as a listed impairment.
How long does SSDI approval take?
It varies, but initial decisions can take 3-6 months or longer.