What Do I Need to Qualify for Social Security Disability Benefits?

Applying for Social Security Disability (SSD) benefits can feel overwhelming, especially when you're managing the challenges of a serious health condition. Knowing the qualifications and requirements is the first step toward getting the support you need. Here’s a guide to help you determine if you meet the criteria and how to prepare for the application process.

Basic Eligibility Requirements

To qualify for Social Security Disability benefits, you must meet several basic criteria:

Age and Work Status: You must be at least 18 years old and not currently receiving Social Security benefits.

Medical Condition: Your disability must be severe enough to prevent you from working. This condition should either last for at least 12 months or be expected to result in death.

Work Credits: SSD benefits are based on your work history and the number of credits you’ve earned. Typically, you need to have worked at least five of the last ten years to qualify, though younger workers may qualify under a parent’s record in certain circumstances.

Recent Work: You must have been working recently, usually in the last five years, depending on your age, to qualify for benefits. If you haven’t worked recently or lack the required work credits, you may still qualify for supplemental security income.

Medical Evidence: The Foundation of Your Claim

The success of your SSD application largely depends on the medical evidence you provide. This evidence must demonstrate that your condition is severe enough to prevent you from performing any substantial gainful activity. Here’s what you’ll need:

Medical Records: Comprehensive records from your healthcare providers detailing your diagnosis, treatments and prognosis. This includes doctors' reports, lab results, imaging studies and any other relevant documentation.

Detailed Statements: It’s beneficial to include detailed statements from your healthcare providers that explain how your condition limits your ability to work. These statements should describe your symptoms, their severity and how they impact your daily life and ability to perform job functions.

Consultative Examinations: In some cases, the Social Security Administration (SSA) may request that you undergo a consultative examination (CE) with a doctor they select. This is often required if your medical records are incomplete or if there are discrepancies that need further investigation.

Proving the Severity of Your Condition

In addition to providing medical evidence, you must also demonstrate that your condition is severe enough to prevent you from working in any capacity. The SSA will consider the following:

Your Ability to Work: The SSA will evaluate whether your condition prevents you from doing not only your previous work but any other type of work as well.

Impact on Daily Activities: The SSA will assess how your condition affects your daily life, including your ability to perform tasks such as dressing, cooking, cleaning and other basic activities.

Consistency of Your Symptoms: Your medical records should consistently document your symptoms and their severity over time. This helps establish a clear picture of your condition’s impact on your ability to work.

Non-Medical Requirements

Beyond medical evidence, there are other requirements to consider:

Work Credits: As mentioned earlier, SSD benefits are based on your work history. You earn work credits by paying into Social Security through your earnings. The number of credits you need depends on your age and when you became disabled.

Income Limits: The SSA also has strict income limits for SSD eligibility. If you’re earning more than a certain amount of income (known as substantial gainful activity), you may not qualify for benefits.

What if You Don’t Meet the Requirements

If you don’t meet the initial qualifications or if your claim is denied, don’t lose hope. Many claims are denied initially but can be approved on appeal. Working with an experienced attorney can significantly increase your chance of success.

If you’re unsure whether you qualify or need assistance with your application, contact Black & Jones Attorneys at Law today. With over 64 years of combined experience, our team is dedicated to helping you secure the benefits you deserve. Call us at (815) 967-9000 or fill out our online form to schedule a free consultation.