SSDI Eligibility: How to Qualify for Social Security Disability
Whether suffering from a physical injury, a chronic disease, or mental illness, if you are unable to earn a living because of it, Social Security Disability Insurance (SSDI) may be available to replace some of the lost income. For those who qualify for SSDI, the benefit can restore their ability to meet personal and family financial obligations. But determining SSDI eligibility involves many fact-specific considerations. Knowing the process ahead of time will improve your chances of establishing your qualifying disability.
The SSDI lawyers of Aronova & Associates are committed to helping individuals in Manhattan, New York City, and on Long Island attain full benefits under the program.
How to qualify for Social Security disability
There are two main areas in which an SSDI applicant must be able to show eligibility: employment and impairment. More specifically, the applicant:
- Must have worked in a job covered by Social Security
- Needs to have a qualifying physical or mental health condition
- Must have a work history with enough “work credits”
Job-related SSDI eligibility: What jobs are covered by Social Security?
SSDI is a type of insurance fund paid into by employees and employers out of payroll taxes. The first requirement, then, is employment – at least within the past 10 years.
In some special situations, there is no payment into Social Security, so the employee would not be eligible. These can include people who have worked long-term for the federal government and were hired before it began collecting Social Security taxes in 1983, employees of some state and local governments that opt out of Social Security, and a few other categories of workers.
Keep in mind that if you have been self-employed or working as an independent contractor, you may still have been in a job covered by Social Security. You should have been paying self-employment taxes, which include Social Security contributions.
The other factor is how long you have worked in covered jobs. SSDI claimants must have enough work history to have acquired the necessary number of “work credits”. In general, workers gain one credit for each quarter of a year worked; self-employed workers need to meet an annual income threshold to qualify for the credits. The number of credits needed for SSDI eligibility is determined by a scale that factors the employee’s age and number of years worked.
Injured workers in New York City or Nassau County should contact a NYC disability attorney to get a better idea of how their work history impacts SSDI eligibility. Aronova & Associates is available to meet and answer your eligibility questions.
Medical SSDI qualifications: What is a qualifying medical condition to collect SSDI?
You may feel like your disability is immediately apparent to others, but that is not the standard that the Social Security Administration follows. To qualify for SSDI:
- You must be able to show that you cannot do the same work you did before;
- The SSA must decide that personal factors mean you cannot take on another line of work; and
- The disability must be long-term (lasting or expect to last for at least one year or lead to death)
You may have heard about a “blue book”. This is a SSA guidebook of recognized conditions that lists the medical criteria that leads to approval for specific conditions. However, even if your condition is not listed in the blue book, you may qualify if you can demonstrate that your condition meets the same level of severity and impairment as comparable conditions that are recognized by the guidebook.
Aronova & Associates can help you understand how the SSA will view your disability, and what evidence will help you establish your entitlement to benefits.
Part of the SSA’s consideration is what it considers to be the applicant’s Residual Functional Capacity (RFC). This is the level of activity which the applicant can sustain after the disability. If the applicant is trained as a nurse, but can no longer work in a physical job, then it may determine that the rigors of nursing cannot be performed by the applicant whose RFC only allows sedentary work. This can be a complex analysis, but we will help you present your evidence or represent you in an appeal of an unfavorable decision, if you so choose.
Take the mystery out of SSDI eligibility with Aronova & Associates
The social security disability lawyers at Aronova & Associates have been through the SSDI process – from application to appeal – with clients in all parts of New York, including Manhattan, NYC, and Nassau County.
The SSDI process can be overly complicated, but our attorneys have the experience to help you through the process. We look forward to answering your eligibility questions, so you can receive the compensation to which you are entitled.
Additional SSDI Eligibility Resources:
- National Academy of Social Insurance, What is Social Security Disability Insurance?, https://www.nasi.org/learn/socialsecurity/disability-insurance
- SSA.gov, Disability Planner: What We Mean By Disability, https://www.ssa.gov/planners/disability/dqualify4.html