Qualifying for Social Security Disability Benefits

Social Security’s Definition of Disability - “An individual who is unable to engage in substantial gainful activity by reason of a medically determinable physical or mental impairment which has lasted, or is expected to last, at least 12 continuous months or results in death.”

Substantial gainful activity (SGA) - working and earning more than gross wages of $960.00 per month in same job or other occupation. SGA can be physical or mental activities provided for profit. Mental activities require decision making. For self-employed individuals, pay along with contribution to business is considered.

Entitlement factors to be met:

1. Worker is under age 65.

2. Injury or illness is expected to last a period of at least 12 months or longer.

3. Worker has worked and paid FICA taxes for at least 5 of the last 10 years (Insured Status). Worker must be “currently” and “fully” insured. Insured status is earned by work credits earned per quarter. Disability must occur before the date last insured.

4. An impairment or combination of impairments will prevent the worker from returning to any occupation which they have held within the last 15 years or any job that they can reasonably be trained to do. (Based upon age, education, and transferable skills).

5. Worker files an Application for Social Security Disability Insurance (SSDI).

6. (The waiting period consists of 5 full calendar months following the worker’s onset. They may file an application during this time; however, cash benefits can only go retroactive for a 12 month period.

Resource Link:

- List Of Adult Impairment Disabilities