By Chris Sharry on February 26th, 2025 in Disability, Disability Qualifying, Social Security Disability
For individuals who are unable to work due to a serious medical condition, Social Security Disability (SSD) benefits provide essential financial support. The Social Security Administration (SSA) oversees the program, which is designed to assist those who meet specific medical and work-related eligibility criteria. However, applying for disability benefits can be a complex process, and many applicants are initially denied. Understanding how SSD works, who qualifies, and how to apply can increase the chances of approval and provide much-needed financial relief.
What is Social Security Disability?
Social Security Disability benefits are provided through the Social Security Disability Insurance (SSDI) program, which is funded by payroll taxes (FICA contributions). This program is meant for individuals who have worked and paid into Social Security but can no longer perform substantial work due to a disabling condition.
It is important to distinguish SSDI from Supplemental Security Income (SSI). SSDI is based on work history and contributions, whereas SSI is a needs-based program designed for individuals with little to no income or resources, regardless of work history.
How Do I Know If I Qualify for SSD Benefits?
The SSA has strict eligibility requirements for receiving disability benefits. To qualify, an applicant must meet both medical and work history criteria.
Medical Eligibility Requirements
To receive SSD benefits, a person must have a condition that:
- Prevents them from engaging in substantial gainful activity (SGA) – meaning they cannot earn over a certain income threshold due to their disability.
- Is expected to last at least 12 months or result in death.
- Meets the SSA’s definition of disability, which is based on the severity of the condition and how it limits an individual’s ability to work.
The SSA maintains a Blue Book, which lists medical conditions that automatically qualify for disability benefits if they meet specific criteria. However, if a condition is not listed, the SSA will evaluate how it impacts an individual’s ability to work using medical-vocational guidelines.
Work Credit Requirements
SSDI is available to individuals who have worked and paid Social Security taxes for a sufficient number of years. The SSA determines eligibility based on work credits, which are earned based on yearly income.
- Most applicants need 40 credits (10 years of work), with at least 20 earned in the last 10 years.
- Younger applicants may qualify with fewer work credits, depending on their age at the time of disability.
If an individual does not meet the work credit requirement, they may still be eligible for SSI benefits if they meet financial need criteria.
How to Apply for SSD Benefits
Applying for Social Security Disability benefits requires submitting an application to the Social Security Administration along with detailed medical and work history information. The application process typically includes:
- Completing an SSDI application online, over the phone, or at a local SSA office.
- Providing medical evidence, including doctor’s reports, test results, and treatment history.
- Documenting work history to prove sufficient work credits.
- Waiting for a decision, which can take several months due to the SSA’s evaluation process.
What Happens If My SSD Application is Denied?
Many SSD applications are denied upon the initial review due to lack of medical evidence, incomplete paperwork, or failure to meet SSA guidelines. However, applicants have the right to appeal the decision through several steps:
- Reconsideration – A second review of the case by a different SSA representative.
- Administrative Hearing – A hearing before an Administrative Law Judge (ALJ) where the applicant can present additional medical evidence and testimony.
- Appeals Council Review – A final SSA review of the ALJ’s decision.
- Federal Court Review – If all SSA appeals are exhausted, a lawsuit can be filed in federal court.
How a Massachusetts Social Security Disability Attorney Can Help
Applying for SSD benefits or appealing a denial can be challenging. A Massachusetts Social Security Disability attorney can assist by:
- Preparing and submitting a strong application with proper medical evidence.
- Gathering supporting documentation from doctors and specialists.
- Representing clients in SSD hearings and appeals.
- Ensuring compliance with SSA rules and deadlines to avoid delays.
Protect Your Right to Disability Benefits
If you are unable to work due to a disability, Social Security Disability benefits can provide essential financial support. However, qualifying for SSD requires meeting strict medical and work history requirements. If your application has been denied or you need assistance with the process, consulting a Massachusetts Social Security Disability attorney can help improve your chances of approval. Contact an attorney today to discuss your case and ensure you receive the benefits you deserve.
