To be awarded Social Security Disability Insurance benefits, you must meet both the medical and non-medical requirements as outlined by the Social Security Administration (SSA). While you might be quite ill and meet the medical criteria to be considered disabled, you still might be denied disability benefits. A technical denial occurs when an applicant does not meet the non-medical requirements for disability benefits.
How Does Work History Impact Your SSDI Eligibility?
Have you ever wondered where your hard-earned money goes when you receive a paycheck? All individuals who work have FICA taxes deducted from their paychecks. FICA, or Federal Insurance Contribution Act, are U.S. federal payroll taxes that help fund Social Security disability programs.
When you pay FICA taxes, you are paying into the Social Security Disability Insurance (SSDI) program. As the name implies, it’s a type of “insurance” program. In order for you to earn the ability to withdraw disability funds, you must have paid enough into the system to retain coverage
In addition to meeting the definition for disability, you must have worked enough, and recently enough, to qualify for SSDI benefits. The SSA measures the amount you have worked in “credits.” In 2018, you earn one credit for each $1,360 of earnings, with a maximum of four credits per year. The number of credits that you earn remains on your Social Security record regardless of your current work status.
The number of credits required to earn SSDI benefits depends on a person’s age at the time that they become disabled. For example, if you become disabled before the age of 24, you need 1 ½ years of work, or six credits, in the last three years before you became disabled. On the other hand, if you are 50-years-old, you will require a total of 28 credits to be considered for SSDI benefits.
If you have not earned the minimum number of work credits per the SSA standard, you will be deemed denied on a technical basis.
How Does Income Impact Your SSDI Eligibility?
While the SSDI program does not set a limit on the number of assets that you own or how much family contributes to your household income, it does put a limit on the amount of money that you can earn through work when you receive SSDI benefits. If you can make enough money, you will not be considered disabled by the SSA standards.
As part of its definition of disability, the SSA requires that a disabled individual be unable to perform what it calls substantial gainful activity (SGA). Substantial gainful activity is employment that earns over a specific dollar amount each month. For 2019, that amount is $1,220 per month for non-blind applicants and $2,040 for blind applicants. At the time of application, if an individual is earning more than the SGA limit, then he or she is found not disabled.
Should I Work With a Disability Attorney to Determine My SSDI Eligibility?
An experienced Social Security Attorney will quickly be able to determine whether or not you have a reasonable chance of winning your Social Security Disability claim. In fact, a Disability lawyer will only take on your case if he or she feels that you have substantial evidence to lean on. Unlike with medical denials, however, non-medical denials cannot be appealed. Therefore, it is highly recommended that you consult with a qualified Social Security attorney when submitting your claim.