In order to receive SSDI payments, you must meet the specific disability insurance requirements. These conditions are based on how long you worked prior to becoming disabled, and the nature of your disability.
One of the primary and most important requirements is meeting the Social Security Administration’s (SSA) definition of a disability. According to the SSA, you must prove that you suffer from a disabling condition that makes you unable to work.
By federal law, this definition includes the below specifics:
- Your disabling condition must be considered severe.
This means that your disability prevents you from doing the job that you did before. And, it must also prevent you from being able to do another type of work.
In general, this means that your disability renders you unable to perform basic work functions such as lifting, standing, walking, sitting, or remembering.
- Your disabling condition must be considered long-term.
This means that the disability must be medically predicted to last at least a year, or potentially result in death.
- Your disabling condition must be considered total.
This means that you are unable to do work that earns a liveable wage.
As of 2023, in order to meet this condition, disabled people applying for SSDI cannot make more than $1,470 in income per month. If you are blind and applying for SSDI, you can not make more than $2,460 per month.
To qualify for disability cash benefits, you must also meet certain earning requirements. These earning conditions are known as work tests.