If you are suffering from a substantial physical or mental condition, you might be wondering if you qualify for Social Security Disability Insurance (SSDI) or Social Security Insurance (SSI).
Although there are many qualifying conditions, your illness needs to meet specific criteria outlined by the Social Security Administration (SSA).
Do you have a psychical or mental condition?
Although this seems obvious, you need to have some sort of physical or mental condition that severely impedes your ability to work.
Are you working?
You need to make below a minimum amount to qualify if you are working. The SSA does not automatically disqualify all workers, just those who make over a certain amount per month.
How severe is your condition?
Your condition has to be significant. The SSA defines significant as being unable to do basic activities such as lifting, standing and remembering. Your condition must also be present for at least 12 months.
Is your condition on the list of qualifying conditions?
The SSA maintains a comprehensive list of conditions that qualify for SSI and SSDI. This list contains all of the conditions that they readily accept. They frequently update this list to match current medical and psychological research.
Can you continue to do the work you have been doing?
Just because you cannot continue in your current occupation, you do not automatically qualify. The SSA looks at:
- Medical conditions
- Past work experience
- Age
- Education
- Transferable skills
Using these, they attempt to find another occupation you might be suitable for.
Applying for SSI or SSDI is a complex process where they examine all aspects of your ability to work and condition. These criteria make up the majority of what they look at when determining if your disability qualifies.
