What Disqualifies a Person from Qualifying for Disability?

Submitted by Eric on Fri, 07/29/2022 - 13:48

You may believe that because you have a serious medical condition that prevents you from going to work that you will automatically qualify for disability benefits.

However, there are some things that will disqualify someone from being eligible for disability benefits. These could be the time your medical condition lasts is less than 12 months, your medical condition doesn’t appear in the Social Security Administration (SSA) blue book list of eligible medical conditions, you are still earning a living which is over the SSA’s threshold for eligibility for disability benefits and for SSDI you may not have accumulated sufficient work credits to qualify.

Not Meeting a Blue Book Listing

To ensure you qualify for disability benefits your ailment needs to meet a blue book listing. The SSA has hundreds of medical conditions covered in the blue book.

You have to provide medical evidence to prove you meet the conditions listed in the blue book for your medical condition.  If you are unable to do this you can request that your doctor carries out a residual functioning capacity (RFC) assessment which shows what you are physically and mentally capable of doing.

If it is clear you don’t have the physical or mental capacity to work for at least 12 months you may be eligible for disability benefits.

Not Having Enough Work Credits

In order to qualify for Social Security Disability Insurance (SSDI) you need to have accumulated enough work credits. The number you need to qualify will depend how long you have worked. 

To be eligible for SSDI, you must meet a recent work test and a duration work test. The number of credits required to meet the recent work test will depend on your age.

Before age 24, you may be eligible if you have earned 6 credits in the 3 years ending when your disability began. From Age 24 to 31 years you could qualify if you have credit for working half the time between age 21 and the time your disability starts. If you are 31 years or older you usually need to have earned at least 20 credits in the 10 years just before your disability commenced.

Being Able To Work

If you can still work then you may not qualify for disability benefits as one of the requirements for SSDI is not being fit enough to work for at least 12 months.

Making Too Much Money

To qualify for disability benefits, a person must not be able to engage in substantial gainful activity (SGA) earning up to a certain amount. If you are able to make more than the SGA, then you will not qualify. For 2022 the threshold is $1,350 per month. For an applicant who is statutorily blind the amount is $2,260.

Get Help With Your SSD Claim

It’s never easy to win an SSDI claim but if you seek help from an attorney he or she will ensure you have the right evidence to prove you are eligible and will work on your behalf to get the SSDI benefits.


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