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Which disabilities does Social Security Disability Insurance cover?

Social Security Disability Insurance (SSDI) plays an essential role in the lives of many disabled Americans. It provides them with much-needed relief to help them deal with the effects of debilitating disease or injury when they don’t have alternate forms of insurance. If you are thinking of applying for SSDI, it’s important to know whether your condition qualifies you for coverage.

The prerequisites

SSDI exists to help a specific group of people who otherwise would be uninsured, and thus isn’t open for enrollment to just anyone. In order to qualify for SSDI coverage, your condition has to meet certain requirements. In order to be eligible:

  • You must be unable to work for at least one year due to your condition, or doctors expect your condition will lead to your death
  • Your condition must not be a partial or short-term disability
  • You must not have reached your full retirement age yet
  • Your condition must meet the Social Security Administration (SSA)’s definition of a disability

The SSA’s definition of disability

The SSA has a specific process for determining whether you count as disabled for the purposes of government aid.

They typically look at a list of factors, such as whether you are currently working and how much money you make each month. If you are able to earn more than $1,310 each month, you typically won’t qualify as disabled.

The SSA will also categorize your condition based on how severe it is. A “severe” disability is one that limits your ability to lift, walk, stand, remember or otherwise carry out basic activities that a typical job would entail.

They also look for other types of work that you might be able to do with your condition. If you would be unable to do any of the types of work that they suggest, then you could qualify as sufficiently disabled to merit SSDI.

Living with a debilitating condition is one of the hardest things anyone will go through in this life. With the help of government programs such as SSDI, you may be able to receive the help you need to get back to a stable economic position and take care of your health.