Midwest Disability, P.A. Midwest Disability, P.A. Midwest Disability, P.A.

Making Sure You Qualify for SSDI

Most clients I meet with do not understand that there are actually two types of disability benefits available.

The first, Supplemental Security Income (SSI), is need-based. You can receive SSI benefits without ever working, however, you must meet certain financial requirements for your application to qualify.

The other type of disability benefit, Social Security Disability Income (SSDI) requires that you pay into the system to receive it through payroll taxes, but it can also result in much higher benefits

In 2017, monthly SSI benefits are capped at $735, while SSDI benefits can be as high as $2,687 per month. SSDI also qualifies you for Medicare after you are disabled for two years.

But figuring out how much you'll get for SSDI and when it kicks in and expires is tricky.

Whether you qualify for SSDI is determined by your work credits. As of 2017, one work credit is equal to $1,300 in earnings. This means you must earn at least $5,200 in one year to receive four work credits.

And while you can earn a maximum of four credits in one year, it doesn't matter when that $5,200 is earned. If you earn all of that money in October through December, it still counts as four credits for the year.

But credits are only part of the equation.

Anyone over the age of 31 must have worked five of the past 10 years, or earn a total of 20 credits, to qualify for SSDI.

Meanwhile, an individual over the age of 50 needs 28 work credits, or seven years of work in the previous 10 years, to be able to file for SSDI benefits.

Unfortunately, given how long it can take to be approved for disability benefits, and the way credits are calculated, it's not unusual for someone's SSDI status to expire before they receive a hearing before an administrative law judge.

This can be an extremely difficult situation that can be the difference between sizable SSDI benefits and SSI benefits, or SSDI benefits and no benefits at all, so if you're confused about SSDI, it's important to consult with an experienced disability attorney before you file your disability application.

MIDWEST DISABILITY office locationS

Midwest Disability, P.A.
408 Northdale Boulevard Northwest
Coon Rapids, MN 55448
Toll Free: 888-351-0427
Fax:763-862-7521
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