The eligibility standards for Social Security Disability Insurance (SSDI) benefits are relatively strict. Applicants must have adequate credits accrued based on their employment history. They must also have medical documentation affirming that they have a debilitating medical condition that is likely to last 12 months or longer.
Typically, professionals are not eligible for SSDI benefits if they can work another job, even one with much lower pay. However, there are certain scenarios in which professionals receive special consideration from the Social Security Administration (SSA).
Long-term employment in a manual labor position could alter the eligibility requirements for SSDI benefits.
Blue-collar work damages the body
Professionals who perform arduous physical labor may experience a decline in physical capabilities later in life that affects their ability to work and overall health. The SSA acknowledges the medical impact of long-term blue-collar employment. Professionals who have worked for 35 years or longer in jobs that require manual labor may be eligible for SSDI benefits if they can no longer perform their usual jobs.
Provided that they have only a marginal education and that their medical challenges may force them to change professions, they could be eligible for SSDI benefits even though they might be able to work in a fast food restaurant or a retail shop. Instead of working a low-paid job while dealing with medical challenges caused by their prior employment, blue-collar workers can potentially qualify for SSDI benefits until they reach retirement age.
Blue-collar professionals seeking SSDI benefits may need assistance understanding the rules that apply to their claims and validating their eligibility through medical documentation. Working with an attorney can make the SSDI benefits application process more accessible to struggling blue-collar workers.