If a disability has rendered you unable to work — especially for 12 months or longer — then you may have thought about SSDI (Social Security Disability Insurance) and how it may be beneficial to you. If you have paid into Social Security at any point in your lifetime, then SSDI is a realistic option for you in such unfortunate circumstances. However, your disability and Social Security status alone won’t automatically qualify you. Luckily, the case managers at GAR Disability Advocates have full understanding and familiarity with Social Security’s processes and qualifications and can help you determine if you qualify for SSDI benefits.

Have you reached the age of retirement eligibility?

In the eyes of Social Security, the full retirement age is 66 years and two months. While older members of the workforce are more likely to be approved for any disability benefits from Social Security than young workers, you must apply for SSDI before you reach retirement age. To be safe, apply before you reach the age of 65.

Do you meet Social Security’s definition of disability?

According to Social Security, a disability is a condition that prevents you from doing any work at all, either on a long-term (12 months or more) or permanent basis. We understand that their definition may not always be what you or countless other Americans consider to be disability qualifications. This reason is one of many that we at GAR Disability Advocates strive to help you receive the benefits that you are entitled to — including SSDI.

Do you have sufficient work credits for SSDI benefits?

Work credits are earned every year you earn wages and pay Social Security taxes, and are required to obtain any Social Security Disability benefits. The number of credits you will need to qualify will vary with your age, but most workers over the age of 30 will require at least 20 credits. For workers between the ages of 24 and 30, you will need anywhere from 8-18 credits, and workers under 24 require at least six credits.

SSDI benefits, like any Social Security benefit, have their share of qualifications that may be overwhelming to sift through and try to manage on your own. These are the exact types of instances where GAR Disability Advocates can assist you through the process and help you to receive the benefits you need to survive while injured or otherwise disabled. If you need our assistance, contact us today for a free evaluation.