By Chris Sharry on November 22nd, 2024 in Disability, Disability Benefits, Disability Qualifying, Social Security Disability
Qualifying for Social Security Disability Insurance (SSDI) benefits in Massachusetts can be a complex process. The Social Security Administration (SSA) has strict requirements to determine whether an applicant is eligible for these vital benefits. Understanding the criteria and preparing a strong application can make a significant difference in the outcome of your claim.
The Definition of Disability Under SSDI
To qualify for SSDI, applicants must meet the SSA’s definition of disability. This means the applicant must have a medical condition that:
- Prevents them from engaging in substantial gainful activity (SGA), defined as earning more than $1,620 per month (as of 2025).
- Has lasted, or is expected to last, at least 12 months or result in death.
Short-term or partial disabilities do not qualify for SSDI benefits. The condition must severely limit the applicant’s ability to perform basic work activities such as sitting, standing, lifting, or concentrating.
Work History and SSDI Eligibility
In addition to proving a disability, applicants must have a sufficient work history to qualify for SSDI. This is determined by:
- Earning Work Credits: Most applicants need 40 credits, with at least 20 earned in the last 10 years. Credits are earned based on yearly income, with a maximum of four credits per year.
- Age and Work Requirements: Younger applicants may need fewer credits, depending on their age at the time of disability.
The SSA reviews your earnings record to verify work credits and ensure eligibility.
Medical Evidence: The Key to Approval
Comprehensive medical evidence is critical to a successful SSDI application. This includes:
- Detailed records of your diagnosis, treatment, and prognosis from licensed medical professionals.
- Results from laboratory tests, imaging, and other diagnostic tools.
- Statements from your healthcare providers about your limitations and how they prevent you from working.
Without sufficient documentation, claims are often denied, making it essential to gather thorough medical evidence before applying.
The Role of the Blue Book
The SSA’s Blue Book is a guide that lists medical conditions and criteria used to evaluate disability claims. If your condition matches a listing in the Blue Book, your application may be approved more quickly. However, even if your condition is not listed, you can still qualify by proving that your impairment is equivalent in severity to a listed condition.
Common Reasons for SSDI Denial
Many SSDI claims are denied on the first attempt due to:
- Lack of sufficient medical evidence.
- Earning more than the SGA limit.
- Failing to follow prescribed treatments.
- Errors in the application process.
If your claim is denied, you have the right to appeal the decision. The appeals process includes several levels, starting with reconsideration and potentially progressing to a hearing before an administrative law judge.
Get Expert Help with Your SSDI Claim
Qualifying for SSDI benefits can be challenging, but you don’t have to face the process alone. Sharry & Monfette’s experienced Social Security Disability attorneys are here to guide you through every step, from gathering medical evidence to appealing denied claims. Contact Sharry & Monfette today to ensure your application is complete, accurate, and positioned for success.
