4 things to keep in mind when applying for disability benefits
A disability can restrict a person’s ability to work, sometimes several years before they reach retirement age, negatively impacting their financial status. To help such individuals, Social Security Disability Insurance (SSDI), a social insurance program, allows them to earn coverage for benefits by working and paying Social Security taxes on their earnings. However, before applying for SSDI benefits, there are certain important things to remember, such as the eligibility criteria and the application process. The types of qualifying disabilities The list of conditions that qualify for disability benefits may differ based on various circumstances. For instance, an individual with a spinal injury or a diagnosis of terminal cancer will be considered disabled. The Social Security Administration maintains an impairment listing known as the Blue Book. It contains mental and physical impairments that may automatically qualify one for SSDI benefits – on the condition that the applicant meets the specified criteria for a listing. The 100% disability criteria The SSDI program is a total disability program for people who are 100% disabled. An applicant must provide evidence that proves their condition is severe enough to render them unable to return to work for at least one year. Though one might feel they are disabled, if they can return to work in less than a year, the SSA may deny the claim.
