Being injured and unable to work is an unsettling experience. If you have been unable to work, you are likely concerned about how you will provide for your family while contending with sky-high medical costs. Social Security Disability may provide a viable option for you. But how do you know if you qualify for social security disability?
The Social Security Disability system was created to provide financial assistance to people who have become disabled. There are very specific requirements that must be present, however, so it is important to do your homework.
Social Security Disability Qualifications
The basic criteria to determine if you qualify for Social Security Disability are:
- You are no longer capable of working or have been unable to work for a period lasting more than one year due to what Social Security deems a severe impairment;
- You have worked and paid taxes on your earnings for the minimum time period, generally that’s 5 years during the 10 years preceding your disability; and
- You have become unable to work before you reach your full retirement age, which could be 65 or older, depending on your birth date.
In order to qualify for these benefits, the following criteria must also be met:
- The physical or mental disability must be significant enough to reduce your functional ability;
- There are clear medical diagnostic examinations and treatment records during the period you’re saying you’re disabled. These records must reveal your diagnosis and the symptoms caused by the impairment; and
- It must be determined based on the medical evidence that you will be unable to return to your former line of work; and
- Depending on your age, skills, and education, it must be determined that you will not be able to transition into other work.