Do You Qualify for Social Security Disability Insurance

For those who suddenly find themselves disabled, some government programs can help you out, such as Social Security disability insurance. Social security disability insurance benefits pay out cash benefits to qualified individuals every month. However, not just anyone can qualify, as there are certain conditions that must be met.

Credits: Before you get any Social Security disability benefits, you must have put something in: In other words, you must have a work history. You pay a small portion of your check to Social Security each year. Each year you work, you earn particular credits that count toward your eligibility. The credits for the Social Security disability insurance benefits are calculated from the total years you've worked and received either self-employment income or wages.

The number of credits you need to qualify changes each year. If you wanted to check your credits in February of 2009, for example, you would calculate one credit for each $1090 of wages. You'll need to earn the equivalent of 4 credits each year. To claim benefits, your age, disability and your credit total will be evaluated.

Conditions: The other important part of qualifying for Social Security disability insurance is that you must meet the Social Security disability requirements. In essence, you must be in a condition that will last at least a year, and perhaps longer. Your condition must prevent you from completing the work you did before the disability and it must be shown that it will be difficult for you to do another type of work. The Social Security program will make the decision as to whether you qualify.

Some of the factors the Social Security case reviewer will look at include what your income is like while you are considered disabled and whether your condition is deemed "severe. They will also ensure that your particular form of disability is included on their list of medical conditions that are pre-screened as a true disability.

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