Applying for Social Security Disability Insurance (SSDI) benefits can be complex, and understanding key terms can help guide you through the process. Here are some essential terminologies to know:
The SSA’s Definition of Disability
To qualify for Social Security disability benefits, your medical condition must prevent you from engaging in any substantial gainful activity (SGA). The impairment(s) must be medically determined, expected to last for at least 12 months, or result in death, and cannot be improved through treatment.
Common Terms When Filling Out the Disability Benefit Application Form
Work Credits
Work credits determine your eligibility for SSDI. These credits are based on your total yearly wages or self-employment income. In 2024, you earn one credit for every $1,640 in covered earnings, with a maximum of four credits per year. The number of credits needed to qualify depends on your age at the time you become disabled. For instance, if you are 60 years old, you will need 40 work credits.
Substantial Gainful Activity (SGA)
SGA refers to the level of work activity and earnings that SSA considers substantial. For 2024, the SGA threshold is $2,460 per month for blind individuals and $1,470 per month for non-blind individuals. If your earnings exceed these amounts, you generally will not be considered disabled.
Compassionate Allowances
Compassionate Allowances (CAL) are a way to expedite the processing of disability claims for applicants with certain severe medical conditions. These conditions are identified through the CAL program, allowing for faster determination of disability. Examples include certain cancers and adult brain disorders.
Blue Book Listing
The SSA’s Blue Book, officially known as “Disability Evaluation Under Social Security,” contains a list of impairments and criteria for disability. If your condition matches a listing in the Blue Book, you may qualify for benefits. Familiarizing yourself with this resource can help you understand the specific medical evidence required for your application.
Residual Functional Capacity (RFC)
RFC refers to the most you can still do despite your limitations. The SSA assesses your RFC to determine if you can perform past relevant work or adjust to other work. This assessment considers physical and mental abilities and is a crucial part of the disability determination process.
Onset Date
The onset date is the date your disability began. It is essential for determining the start of your benefit period. Accurate documentation and medical records supporting your onset date are vital for your application.
Seeking Professional Assistance
Navigating the SSDI application process can be challenging. Working with a lawyer who specializes in Social Security disability can provide valuable guidance. They can help ensure that your application is accurate, complete, and submitted on time, saving you time and reducing the likelihood of errors that could delay your claim.
By understanding these terms and seeking professional assistance, you can improve your chances of a successful application and secure the benefits you need.