Social Security Disability Insurance (SSDI) is provided to those who can no longer work because of a medical condition or another ailment that prevents them from continuing to work. The amount of insurance provided will depend on the individual’s work experience. You can certainly still qualify for some disability benefits even if you do not have a stable or extensive work history.
On the other hand, if you have not been employed for a very long time, you may find that your eligibility is insufficient, there may be other benefits for which you can qualify. One example of these is Title 16 Supplemental Security Income (SSI), which is based on need.
How Much Insurance Is Accumulated?
The SSD benefits program is based on earning credits. First, make certain that your job offers SSD coverage. One of the easiest ways to find out is by looking at your pay stubs. If you see that Social Security has deducted a portion of your pay, then you are working in a job that is covered.
Below are the conditions with regards to your eligibility:
- If you are working and earning more than $1, 000 per month, you are still considered able to work and will not qualify.
- Your disability must be severe enough to prevent you from working.
- You have disabling conditions included the Social Security administration’s list of qualifying conditions.
- The Social Security Administration must find that your condition also leaves you unable to perform other job duties.
Over the course of a year, a person can earn up to four work credits towards their SSDI. You will need to have earned at least 40 credits while you were working to qualify and receive insurance. The monthly income you will need to make per quarter will also vary from year to year. Lastly, partial disabilities do not qualify—you must demonstrate that you have become totally disabled and thus no longer have the same earning capacity as before.
Have Questions? Contact Brooks Law!
Because the laws surrounding social security, we cannot stress enough the importance of obtaining legal counsel to assist you in any social security disability matter. Our Somerville social security disability lawyers are recognized for our quality, excellent legal representation. We can help you overcome any hurdles that may come your way.
We never charge upfront fees for our services. Contact us now and schedule a free consultation!