Understanding SSDI Eligibility Requirements

Living with a disability is challenging enough. It can impact your hobbies, social life, energy, and general well-being. And of course, it can affect your ability to work. No matter how valid your disability’s effects are on your life, it may seem like your SSDI eligibility comes down to numbers and checked boxes on the Social Security benefits application.

Talbot & Kesling at Capital Injury Law specializes in SSDI cases to help make sure qualifying individuals get the disability benefits they need. We can help you build a strong case for a successful SSDI claim. To get started, let’s discuss the eligibility requirements of Social Security Disability Insurance.

An Overview of Social Security Disability

Social Security Disability Insurance is funded through payroll taxes. It acts as a safety net for individuals who have contributed to Social Security and now need financial assistance due to a disability that prevents them from working. 

Unfortunately, the complexity and size of the system mean that many people don’t receive the benefits they deserve. Your eligibility hinges on a complicated puzzle of records, statements, and details. Understanding and having an experienced Social Security lawyer to guide you is the best way to prepare a compelling SSDI claim.

Determining Social Security Disability Insurance Eligibility 

To qualify for SSDI benefits, you need to meet specific requirements related to your work history and the nature of your disability.

Work History

One of the primary eligibility criteria for SSDI is your work history. Unlike Supplemental Security Income (SSI) which is based on your financial need, SSDI is based on your financial contribution.

 To qualify for SSDI, you must have earned sufficient work credits by paying Social Security taxes while employed. Typically, you earn work credits based on how many years you have worked and the amount of income you have earned.

Qualifying Disability

The SSDI program requires that your disability meets specific criteria. Your condition must be severe enough to prevent you from engaging in any substantial gainful activity (SGA) and must be expected to last at least 12 months or result in death.

You will have to provide extensive medical evidence that supports the severity of your condition. This includes detailed medical records, treatment history, and evaluations from healthcare professionals.

Additional Considerations for SSDI Eligibility

Within the primary category of work history and disability, there are several more considerations for Social Security Disability Insurance eligibility. The wide range of potentially qualifying conditions and all the factors related to your work credits are what make the approval process so intricate.

Qualifying Medical Conditions

The Social Security Administration (SSA) maintains a list of impairments known as the Blue Book, which outlines various medical conditions that typically qualify for SSDI benefits. However, if your condition is not listed, you may still qualify if it is of equal severity and prevents you from performing substantial gainful activity.

Work Credits and Age

You accumulate four Social Security work credits every year you work and earn a certain amount. The number of credits you need to qualify for disability benefits depends on your age and when you became disabled. Generally, you need 40 work credits, with 20 of those credits earned in the last 10 years before your disability began. Younger individuals might need fewer credits, reflecting their shorter work history.

Substantial Gainful Activity (SGA) 

This is a threshold set by the SSA to determine if you are earning income at a level that could disqualify you from SSDI benefits. As of 2024, if you are earning more than $1,550 per month (or $2,590 for blind individuals), it is generally considered SGA, and you would not be eligible.

Residual Functional Capacity (RFC)

RFC assesses your ability to perform work activities despite your impairment. The SSA evaluates how your condition affects your capacity to perform basic work tasks. If your RFC is significantly impaired and prevents you from performing your previous job or any other type of work, it strengthens your case for SSDI benefits.

How Talbot & Kesling Can Help You Get SSDI Benefits

The SSDI application and appeals process can be complex and challenging. The majority of initial applications are denied. Having a Social Security lawyer who knows the complicated SSDI system and what makes a strong case can significantly increase your chances of success, especially in an appeal.

Talbot & Kesling in WA specializes in navigating the intricacies of SSDI claims. We can assist you in several ways:

• Initial Application: We’ll help you prepare and submit a thorough application, ensuring all necessary documentation and medical evidence are included to support your claim. Our team knows what works and will help you gather the right evidence for a strong case.
• Appeals: If your initial application is denied, we can guide you through the appeals process, including gathering additional evidence, preparing for hearings, and representing you before the Administrative Law Judge. SSDI appeals have a much higher chance of success with legal representation.
• Consultation and Guidance: From understanding eligibility criteria to managing paperwork and deadlines, our team provides expert advice and support throughout the SSDI process.

Schedule a Consultation with Talbot & Kesling for Your SSDI Application or Appeal

If you’re considering applying for SSDI benefits or your application has been denied, you don’t have to face this challenging process alone. Talbot & Kesling have the experience, knowledge, and dedication to help you make a successful SSDI claim. We provide not only expert counsel and guidance but compassionate support throughout the process.

Contact Talbot & Kesling today to schedule a consultation. Our experienced attorneys are here to provide personalized assistance and help you secure the benefits you deserve.