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  • Writer's pictureGibbs & Sellers

The role work history plays in Social Security Disability claims

Work history is an important component of the Social Security Disability application and qualifying process.

It is helpful for those seeking Social Security Disability benefits to understand how their work history will factor into the process and what work history credits they may need to qualify for Social Security Disability (SSD) benefits.

To begin with, the disabled applicant must have worked in jobs covered by Social Security Disability to qualify for SSD benefits. The disabled individual must have also worked long enough, and recently enough, to qualify for Social Security Disability benefits. This generally means that the applicant will need 40 work history credits, 20 of which were earned in the past 10 years ending in the year the disabled individual became disabled, to qualify for disability benefits. In some circumstances, younger applicants may be able to qualify for benefits with fewer credits.

Work history credits are based on total annual wages or self-employment income. The amount needed to earn a work credit varies year-to-year so disabled applicants seeking Social Security benefits should be familiar with that requirement. In addition to work history requirements, disabled applicants must also meet the disability requirement which includes that they suffer from a medical condition that is severe enough that it prevents them from working and is expected to last for 12 months or longer or result in death. Temporary disability claims are not covered by Social Security Disability.

Understanding how to navigate the maze of the Social Security Disability application process, and how to meet work history and medical condition requirements, is essential for those seeking disability benefits. Social Security Disability benefits may be able to help with many of the concerns the disabled individuals face which is why they should understand how to obtain them when needed.

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