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Non-Medical Requirements for Disability

When applying for Social Security Disability benefits, there are quite a few factors which play an important role in determining if a person qualifies for SSD benefits (Social Security Disability Insurance). We cannot ignore the fact that the non-medical requirements are immensely important in the process of qualifying for SSD.

Pursuant to the Social Security Administration, the disability of a person should be established and only then can he or she can be eligible for Social Security Disability benefits. Once these medical requirements are met, there are many other non-medical requirements, which have to be met as well.

Non-Medical Requirements for SSD

Work Requirements - A person must have sufficient amount of “work credits” before being disabled, in order to qualify for SSD benefits. The work credits differ for people belonging to different age groups and are determined by the actual age of the person and when he or she became disabled and applied for SSD benefits.

The work credit requirements are broken into three categories based on age: before age 24, between ages 24 and 31, over 31 years old, and over 42 years old. The breakdown of credits needed is as follows:

If you are under 24, six work credits are needed, earned in the 3-year period ending when your disability starts.

If you are between 24 and 31, you may qualify for Social Security Disability benefits if you have credit for working at least half the time from the age of 21 until your disability starts.

Once you are over the age of 31 until age 42, you need 20 work credits. These credits must be earned from the 10 years before the disability starts.

Beginning at age 42, you still need 20 work credits in the previous 10 years but the work credit requirement increases by two for every two years of age in order to meet the lifetime work credit requirement. For example, 22 work credits throughout your lifetime are required at age 44, 24 work credits are required at age 46, and so on, with 20 of the credit being earning in the previous 10 years.

For anyone 62 years or older, you still need 20 work credits in the previous 10 years but you also need 40 work credits over your lifetime in order to qualify for SSD benefits.

Legal requirements: the person should be able to provide proof of age, proof of residence, proof of identity, information about social security coverage, proof of employment, marital status and other legal documents which will be demanded by the SSA. You may have to provide things such as your birth certificate or naturalization papers.

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