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What it takes to qualify for SSDI

Most of us have heard that a record number of Americans are now receiving Social Security Disability benefits, but there seems to be a lot of confusion in Michigan and the rest of the country over how a person can qualify for the government assistance program.

Although some politicians and critics would like to believe that qualifying for SSD is far too easy, this couldn’t be further from the truth. In fact, Americans with serious and disabling conditions are denied SSD benefits every day and must turn to a Social Security Disability lawyer for help.

In order to qualify for Social Security Disability Insurance (SSDI), the following basic standards must be met:

  • Must have a medical condition so severe that it prevents the individual from working, and the condition must be expected to last at least one year or until death.
  • Must be under full retirement age.
  • Must have earned enough “work credits.”
  • Must earn less than a certain minimal income.

In some cases, when an individual qualifies for SSDI, his or her family members may also qualify for up to 50 percent of the disabled person’s basic benefit (and subject to a "family maximum"). The following family members may qualify:

  • Spouses age 62 or older who have been married for at least a year
  • Spouses any age who are caring for the SSDI recipient’s child who is 16 years or younger or disabled
  • Children who are unmarried and under the age of 18
  • Children who are under the age of 19 and are full-time high school students or are disabled
  • Children over the age of 18 who are severally disabled

As you can see, qualifying for Social Security Disability Insurance is much more complicated than simply telling the Social Security Administration that you are disabled. For more information on applying for benefits and appealing a denial, talk to an experienced SSD attorney in your area.

Source: Source: The Huffington Post, "Who Qualifies for Social Security Disability Benefits?" Carrie Schwab-Pomerantz, June 24, 2014

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