Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to individuals who are unable to work due to a disability. To be eligible for SSDI, you must meet certain criteria:
1. Work Credits: You must have earned enough work credits by paying Social Security taxes. The number of work credits required depends on your age at the time you became disabled. Generally, you need to have worked for at least 5 out of the last 10 years.
2. Medical Eligibility: You must have a medical condition that meets the Social Security Administration's definition of disability. The condition must be expected to last for at least one year or result in death. The Social Security Administration maintains a list of impairments, known as the Blue Book, which outlines the medical criteria for different conditions. If your condition is not listed in the Blue Book, you can still qualify if it is determined to be of equal severity to a listed condition.
3. Substantial Gainful Activity: You must not be engaged in substantial gainful activity (SGA). SGA refers to work that involves significant physical or mental activity and earns a certain amount of income. The income threshold for SGA changes each year and is higher for individuals who are blind.
4. Age: There are no age restrictions for SSDI eligibility. However, the age at which you become disabled can affect the number of work credits required.
5. Application Process: To apply for SSDI, you need to complete an application and provide supporting documentation, including medical records and work history. The Social Security Administration will review your application and make a determination on your eligibility.
It's important to note that the eligibility criteria for SSDI can be complex, and the application process can be lengthy. It's recommended to consult with a Social Security Disability attorney or advocate to help navigate the process and increase your chances of approval.