Social Security Disability
Social Security Disability Insurance (SSDI, sometimes also abbreviated as SSD) is a Social Security program that pays
monthly benefits to you if you become disabled before you reach retirement age and can’t work. Some people know it as "workers disability." Andrew E. Bender, your voice for receiving your SSDI.
Eligibility for Social Security Disability
To qualify for the SSDI program, you must have worked a certain number of years in a job where you’ve paid Social Security taxes (FICA) taxes. Specifically, you need to have earned a certain number of work credits; you can earn up to four work credits per year.
Note: If you haven't worked long enough when you become disabled, and have low income and assets, you can apply for Supplemental Security Income (SSI) instead.
Work Credits
How many work credits you need to qualify for SSDI benefits depends on how old you were when you became disabled. For example, if you are 50 years old when you become disabled, you need 28 work credits, or to have worked for seven years (and at least five of those years must have been within the last 10 years).
Medical Eligibility
You also must have a medical condition that meets the SSA’s definition of disability. SSDI benefits are eligible only to those with a severe, long-term, total disability. "Severe" means that your condition must interfere with basic work-related activities. "Long-term" means that your condition has lasted is expected to last at least one year. "Total disability" means that you can’t perform "substantial gainful activity" (SGA) for at least one year. If you are currently working and make over a certain amount ($1,170 per month in 2017 for disabled applicants, $1,950 for blind applicants), the SSA will find that you're performing SGA and that you are not disabled enough to qualify for SSDI benefits
