Although applying for Social Security disability benefits (SSDI) and Supplemental Security Income (SSI) can be intimidating, understanding the process and what requirements must be met in order to qualify can enable you to be more prepared before you present your situation to Social Security.
- This article will teach you about the criteria that qualifies you to recieve these government benefits. If you would like to take a quick test to see if you qualify now and how much you might recieve, visit the Disability Qualification Quick Test link.
The first step in beginning the application process is to first evaluate your situation to find out "Do you qualify for SSI & SSDI"? The factors that are used to qualify for SSDI are not entirely the same as those which are required for SSDI.
In order to qualify for Social Security Disability Income, you must meet the following criteria:
- Work History: In order to receive Social Security Disability Income, you must have worked in occupations that were covered by Social Security. Additionally, you must have worked for a long enough period of time, and recently enough as well. The amount of work required is dependent upon you age in most cases. Individuals have the ability to earn up to four work credits in a given year, and they typically need about 40 work credits in order to qualify. Approximately 20 of those credits should have been earned during the previous ten years. This is just a general guide, however, and each individual's circumstances may be different.
- Qualifying Medical Condition: Disability payments are issued to people who suffer from a qualifying medical condition that has left them unable to work for at least a year. The medical condition must be recognized as a condition that meets the requirements set forth by Social Security. Additionally, the medical condition must be severe enough that it is determined that the individual can not perform the work he or she did previously, can not adjust to a different type of work due to the severity of his or her disability, and the condition is expected to last at least a year or result in fatality.
Other circumstances may allow you to qualify for disability as well. In some situations, if you are the surviving spouse of a deceased worker you may also qualify to receive benefits.
In order to qualify for Supplemental Security Income you must meet the following criteria as specified by Social Security:
- Be a Disabled Adult
- Be a Disabled Child
- Be Age 65 or Older
Supplemental Security Income is designed to assist disabled individuals and senior citizens who have lower incomes and limited resources obtain basic necessary items like food, clothing and shelter. In order to obtain SSI benefits, the individual must not exceed the financial limits set forth by Social Security.
So do you qualify for SSI & SSDI? If you have reviewed these basic requirements, and you have determined that you meet the criteria listed, then chances are you likely qualify. Keep in mind, it is important that you do not get discouraged when going through the application process. Many people are denied benefits initially, and told that they do not qualify for one reason or another. Don't give up. Consult a seasoned professional for assistance in advocating your claim.