The Social Security Administration (SSA) looks at several things when determining if you qualify for Social Security Disability (SSD) benefits, and if you do, how much your monthly benefit payments should be.
What Criteria You Need To Meet To Qualify
To qualify for Social Security disability benefits, there are both medical and non medical requirements. There are three main criteria you must meet in order to qualify for SSD benefits:
- You must have a medically determinable disability that substantially limits your inability to maintain gainful employment.
- Your medical condition must either be terminal or be reasonably expected to last at least 12 months.
- You must have sufficient work credits available with the SSA.
For the purposes of the SSD determination, gainful employment is defined as the ability to earn at least $1,220 per month, or $2,040 per month if you’re blind.
If the SSA determines you’re eligible for benefits based on the medical records contained in your initial application or from the details of your continuing disability review documentation, then you have meet the criteria for the “medical part” for receiving SSD. The “non-medical part” of the review process includes the evaluation of your financial records and work history.
If you are currently working or are able to hold a job even with your medical limitations, then the SSA must look at your earnings history and your ability to work. They must determine if you meet the “gainful employment” threshold for qualifying for SSD. They must also determine if you could potentially find work that you could maintain even with your disability and the limitations it presents. For this, they will review your employment history and experience, your education and training, and your other qualifications.
What Is the "Non-Medical Part"?
Additionally, the “non-medical part” of the SSD review process includes the review of your employment history and your work credit status with the SSA. To qualify for benefits under your own work credits, then you would have had to contribute to the Social Security fund through payroll deductions from your own paychecks during the decade just prior to becoming disabled.
This part of the review will entail the SSA verifying you have the work credits necessary and will also require a calculation of your available funds. The SSA will determine how much your SSD benefits will be based on your contributions to the SSA fund throughout your employment, and by looking at the circumstances of your current situation, including your income or earnings.
What Happens If You Get This Decision In The Mail?
If you receive notice from the SSA saying you’ve meet the medical criteria but the non-medical part of your eligibility still needs to be determined, then you’ll have to wait before knowing more about your potential benefits. The bad news is that you must be patient. The good news is that the non-medical review typically takes much less time than does the medical review of any SSD application.
Talk to a Social Security Attorney
Because applying for Social Security benefits can be a confusing process, you might find it helpful to have a Social Security attorney by your side helping you along the way.
They can help give you the best chance of winning your case and giving you the benefits that you deserve.