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How does a disabled worker apply for SSDI?

On Behalf of | Aug 16, 2021 | SSDI

Beginning the application process to receive Social Security Disability Insurance (SSDI) payments can be challenging. The person who needs these payments should meet every one of the Social Security Administration’s requirements to begin receiving these payments

If the person was severely injured in an accident, and may no longer be able to work, they or their family member should explore the possibility of receiving these payments.

Figure out if the disability qualifies for SSDI

While the person is still in the hospital, suffering from their injuries or a severe illness, their family member may want to speak to the doctor. As they are speaking, they may find out that their loved one now has a disability that may last for several months or even more than one year.

Once they know this, the relative may want to start speaking with the Social Security Administration (SSA). Speaking with a professional who is knowledgeable about the SSDI application process may be helpful.

What are Social Security work credits?

The SSA requires them to meet the work requirements and Social Security work credits to qualify. These work credits come from the person’s total annual wages.

If they are self-employed, these credits may also come from their self-employment income. Under SSA regulations, the person may be able to earn up to four credits annually. The work credits depend on how much the person earned every year. This dollar amount may change from year to year. The 2021 amount is $1,470 and this allows the person to earn one credit. Once they have earned $5,880, they have earned the required work credits for that year.

What does “disabled” mean for SSDI?

SSA requires those who apply for SSDI to be diagnosed with a total disability. Short-term or partial disability may not qualify the person. The person may not be able to perform their past work due to their disability. They may not be able to adapt to other types of work.