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Before Applying for Disability Benefits…

There are some key factors that the Social Security Administration looks for to determine if you qualify for Social Security Disability benefits:

  • You must have a lasting medical condition so severe that it prevents you from doing the work that you did in the past or adjusting to other types of work;
  • Your physical or mental impairment must have lasted or be expected to last at least a year or result in death; and
  • You must have worked long enough in jobs covered by Social Security.

To become eligible for SSD benefits, you must have worked and paid FICA taxes, which translate into “credits” with the SSA.  You must have a certain number of credits to qualify for benefits.  The number of credits you need to qualify depends on how old you are when you become disabled.

For those who have not worked enough to qualify for SSD benefits, you may be entitled to Social Security Income, which provides financial assistance to disabled children and adults and the aged or blind who have little or no income or resources. To learn more about disability benefits, click here.