Understanding the Non-Medical Requirements for Disability Benefits
When applying for disability benefits, it's essential to meet certain non-medical criteria alongside proving your medical condition. Let's break down these requirements to help you understand what's needed before your application can be considered.
Work Credits: The Foundation of SSDI
Work credits are vital for Social Security Disability Insurance (SSDI). These credits are earned based on your work history and the Social Security taxes you've paid. Generally, you'll need 40 credits, with at least 20 earned in the last decade before becoming disabled. The exact number can vary based on your age, but having a solid work history is key.
Current Work Status: Substantial Gainful Activity
For SSDI, your current work status is crucial. You must not be engaged in substantial gainful activity (SGA). In 2024, this means your monthly earnings should not exceed $1,470 if you are not blind, or $2,460 if you are blind. Earning more than these amounts may disqualify you from being considered disabled.
Income and Resources: The SSI Factor
For Supplemental Security Income (SSI), income and resource limits are the primary focus. SSI is intended for individuals with limited income and resources. In 2024, you must have resources valued at no more than $2,000 if you're an individual, or $3,000 for couples. The income limits can vary, depending on factors like living arrangements and the type of income you receive.
Residency and Citizenship: Where You Live Matters
You must be a U.S. citizen or a qualified alien to qualify. For SSI, you must also reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands. SSDI benefits can be received regardless of location, though there are some restrictions for those living outside the U.S.
Age: The SSDI Age Requirement
For SSDI, applicants must be under 65 years old. There are no age restrictions for SSI as long as the other criteria are met.
Final Thoughts
Meeting these non-medical requirements for disability benefits is crucial before your medical condition is evaluated. Ensuring you satisfy these criteria will significantly improve your chances of receiving the support you need. If you’re navigating this process, remember that help is available at Lincoln Disability, and understanding these key points is the first step toward securing your benefits.
