You must have an earnings record in order to qualify for SSDI. This record will determine the number of working credits you’ve gained throughout your years in the workforce. A working credit is defined differently year after year, but in general, approximately 40 credits are needed. 20 of those 40 required credits must be earned in the last 10 years from date of disability. If you have worked without stopping due to disability, and you have consistently worked, you must have proof of disability. This must occur within 5 years from the day you stopped working, otherwise known as ‘Date Last Insured’ (DLI). In short, you, or anyone looking to qualify for SSDI must be found disabled before DLI.
To be found “disabled”, each of these requirements must be met:
- Disability must be expected to last for one year (at least), or will result in passing
- Work is not able to be performed the same way as in the past
- Determination received from SSA with a statement that they cannot perform/adjust to other work due to a medical condition
Both SSI and SSDI benefits are evaluated the same when determining medical eligibility. Both work credit and financial requirements are sometimes a challenge to determine, and we can assist you in that determination. Get in touch with us today.