People seeking Social Security Disability Insurance (SSDI) benefits need to meet certain standards to be eligible for such benefits. Typically, they must be completely incapable of working, and their medical challenges must last a year or longer.
The Social Security Administration (SSA) thoroughly scrutinizes the medical records and supplementary evidence submitted by people seeking SSDI benefits. Professionals can also expect a review of their work history.
How can employment influence eligibility for SSDI benefits?
Workers need credits to qualify
People become eligible for SSDI benefits because of their employment. They accrue credits based on the wages that they earn. The SSA grants one credit for every $1,810 earned. Professionals can earn up to four credits each year. An annual income of $7,240 is enough to accrue the maximum amount of credits.
Typically, the SSA expects applicants to have at least 40 credits. They also need to have at least 20 credits from within the last decade. Even those who only have part-time jobs may potentially have enough credits on record to qualify for SSDI benefits.
There are also special rules that make it easier for younger professionals to qualify. Those under the age of 31 require fewer credits to qualify. Professionals may need help evaluating their medical records and verifying that their work history allows them to qualify.
Understanding the rules that govern SSDI eligibility can help those who cannot work because of medical challenges. People preparing to apply for SSDI benefits do not have to manage the entire process alone. Proper support can help increase the chances of success and help workers limit their stress as they seek SSDI benefits.