Many Americans have medical conditions that challenge their ability to work full time and support themselves or their families. Should you become unable to continue to fulfill the demands of your current job, you might consider applying to the Social Security Administration for disability insurance known as SSI. The information below will help you take the proper steps while applying for disability.
Review Work History for Work Credits
Qualifying for Social security Disability depends on your work history and work credits earned. Wages earned in a public job or self-employment are calculated yearly and work credits assigned. Up to four credits can be earned per year.
In 2019, one work credit requires $1,360 dollars of income, so a person earning $5,440 will earn four work credits. To be eligible for SSI benefits, 40 work credits are usually required, 20 of which may need to be earned in the 10 years prior to becoming disabled.
Determine Whether You Are Able to Work Enough to Support Yourself
If you are unable to work or your condition severely limits your ability to complete duties you previously could, you should consider applying. The income threshold is changeable but in 2019, if your monthly income exceeds $1,220 per month, you will probably not be approved for SSI benefits.
Is Your Disability on the SSA List of Qualifying Conditions?
The Social Security Administration has an official list of conditions that automatically qualify a person for SSI benefits. If your condition is not on the list, the Disability Determination Services (DDS) will decide whether it is severe enough to merit SSI benefits.
Compassionate Allowances
Some qualifying disabilities, known as compassionate allowances can be confirmed immediately on a diagnosis. These include but are not limited to Lou Gehrig’s disease (ALS), acute leukemia, and pancreatic cancer.
What Is the Definition of Disability
According to the Disability Determination Services, a qualifying disability has to meet three criteria: you are not able to continue doing the work you have done, your condition prevents you from being able to adapt to and perform other kinds of work, and your disability has lasted or is likely to last one year or longer or be considered terminal.
The process of applying for disability can be long and complex. Disability lawyers can advise you on your likelihood for approval and help you appeal a possible denial of your claim. Do not hesitate to seek professional help.
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