While Social Security provides a safety net for millions of Americans who have experienced great hardship, not everyone is eligible to receive benefits. If you are on the list of people that cannot get disability compensation through this program then there might be another solution out there!
The SSA has a list of criteria that must be met in order for an individual to receive benefits. You may not necessarily think about it this way, but there's actually some logic behind why these standards were set and what they're designed to do: to ensure only those who really need help will get it!
Here are the most common reasons why some Americans are denied disability:
Fail To Meet The Blue Book Standards
The SSA's Blue Book is an essential tool for applicants who need to establish their disability. The annual publication lists all approved medical conditions and how much financial assistance each will provide, but it doesn't automatically make you eligible; there are also additional requirements like meeting minimum guidelines on the severity of symptoms that have been set by the agency itself.
For example, if you have received a diagnosis for cancer, qualifying for disability benefits means you must live with disabling symptoms, such as the constant fatigue that is associated with chemotherapy treatments.
Not Enough Work Credits
If you are disabled and unable to work, it can take 10 or more years of earnings before being eligible for Social Security disability benefits. To qualify on this program's terms (and receive payments), an individual must have at least 40 Work Credits which they amass through their entire career as a worker for themselves!
Non-Citizen Of The United States
There are many non-citizens who obtain work visas, but they often cannot qualify for disability benefits. However recent changes in the statutes have allowed certain individuals to participate with eligibility requirements that must be met first before being able to qualify for these types of Social Security programs. For example, certain classes of non-citizens are eligible for the Supplemental Security Income (SSI) program when they reach the 40 work credits required by the SSA. Immigrants that have not amassed 40 work credits might qualify for Social Security benefits if they are from one of the 30 nations the United States has established a relationship with for a Social Security agreement.
Self-Employed That Do Not Pay Taxes
The self-employed pay into Social Security just like everyone else, but they also have to fulfill their own personal obligations. If you're not paying enough in taxes due to your responsibilities as an entrepreneur start contributing more!
Working with an advocate can help you determine eligibility and ensure you receive the benefits you are entitled to.