Understanding how to qualify for Social Security disability (SSD) benefits can be important to many people suffering from an illness or injury and an inability to work. Many much-needed benefits are denied following submission of an application for Social Security disability benefits. The Social Security Administration reports that in 2013 only 885,000 of 2.65 million Social Security Disability Insurance (SSDI) claims for benefits were approved. In addition to a process that can move slowly, especially without the right knowledge, certain requirements must also be met to qualify for benefits.
Included among the requirements is that the applicant must have a medical condition that is expected to last longer than a year and the applicant is under the current retirement age. The medical requirements also require that the condition complained of is so severe that the applicant is unable to work, however, some medical conditions immediately qualify the applicant for benefits. Social Security work credits, based on age, are also calculated to determine eligibility.
In addition, there are income requirements and maximums and benefits also have certain limits. Family members may also be eligible for benefits in certain circumstances. Those applying for benefits may have a better chance of obtaining benefits after the application they filled out has been denied and they appeal so it is important not to immediately become discouraged if denied and promptly consider the appeals’ process.
It may seem like there are many rules to wade through to obtain SSD benefits and there are a variety of federal regulations and requirements that must be met to qualify. Those seeking benefits due to disability, or those that have been denied Social Security, may benefit from better understanding the process to receive much-needed benefits.
Source: FinanceTownhall.com, “Who Qualifies for Social Security Disability Benefits?” June 29, 2014