It’s not inconceivable to think that at some point in your life, you may need a little bit of financial help. Social Security disability benefits, for example, can do a lot to help workers in Virginia like you who are at a disadvantage. But do you qualify for those benefits?
As stated by Social Security itself, you need to meet several qualifications before you’re considered eligible for Social Security disability benefits. First of all, your condition will need to fit Social Security’s specific criteria for a disability. This include:
- Being unable to adjust to different types of work because of the disability
- Being unable to continue your current line of work because of the disability
- Having a disability that has lasted, or is expected to last, a year or more
- Having a disability that is expected to result in death
If your disability fits, there are still other conditions to meet. You will also need to have worked in jobs that are covered by Social Security. Your term of employment needs to be recent and lasting a certain number of years. Your eligibility is decided by your annual work credits, which can change on a yearly basis. 40 credits are needed to apply for Social Security disability benefits, with 20 of them being earned over the last 10 years. However, the amount needed can change based on your age at the time you become disabled.
One last thing that’s important to note is that your benefits will usually end when you’re able to go back to work. However, those close to retirement age will have their disability benefits immediately transferred into retirement benefits.