The Social Security Disability Insurance (SSDI) program is a safety net that protects thousands of people in Indiana who suffer from severe disabilities and are unable to work. However, navigating this system can be as complicated as it is crucial for those who depend on it. If you may need this government assistance, here are some of the key facts you should be aware of that can potentially aid in success.
SSDI and work credits
Eligibility is one of the first hurdles you’ll encounter on the road to securing Social Security Disability benefits. To qualify, you need to have worked in jobs covered by Social Security — and have earned enough work credits for the Social Security Administration to consider you “insured” for disability. The number of work credits you need depends on your age when you become disabled.
For instance, if you are a 30-year-old in Indiana, you need between 8 and 20 work credits to be eligible for SSDI benefits (You basically earn four work credits a year.). However, if your disability occurred before turning 24, you may qualify with fewer credits.
A qualifying health condition
Next, you must have a condition that meets Social Security’s definition of disability. This typically means that your condition must be serious and expected to last at least 12 months or result in death. The Social Security Administration has a list of impairments called the “Blue Book,” which automatically qualifies for benefits. They include conditions like cancer, heart disease and mental disorders. If your condition is not on the list, you may still be able to get benefits if SSA determines that you cannot do any work due to your disability.
In October 2023, 7.4 million people received benefits from Social Security. The government budgets billions of dollars each year to help disabled workers who qualify receive benefits. So, if you think you may be eligible for SSDI, it’s worth pursuing as it’s your right as a worker.