Life can take unexpected turns, and for some, this includes the onset of a serious medical condition that significantly impacts their ability to function. They might develop an illness, suffer a major injury or have a congenital condition that shows symptoms later in life. Those with severe medical conditions may find themselves unable to work.
When it comes to covering the costs of care, some individuals have private disability insurance, either purchased on their own or provided by their employers. However, many employees may be eligible for Social Security Disability Insurance (SSDI) benefits if their medical conditions are severe enough to meet the necessary criteria.
As workers contribute to the Social Security program through their paychecks, they may be eligible for SSDI benefits if their condition is serious enough. But what exactly makes a medical condition severe enough to qualify for SSDI benefits?
When the condition is long-lasting
Many serious medical issues only cause temporary disability. For example, someone who has a cardiac event might be in the hospital for several weeks. After a few months of rehabilitation, they can return to work and enjoy their usual lifestyle. In other words, just because a condition is serious, it does not necessarily mean it is also long-lasting.
With exceptions for terminal conditions, the SSA generally only grants SSDI benefits to those who have conditions that doctors expect to last for at least 12 months. Even the most debilitating condition may not qualify if it only causes short-term medical consequences.
When the condition prevents any gainful employment
Some people mistakenly believe that they can qualify for SSDI benefits because they have to leave their jobs. If someone must leave a well-paid career and can only perform lower-paying jobs, like providing service at a cash register, they may expect to qualify for SSDI benefits.
However, if a person is capable of any form of gainful employment, they likely will not qualify for benefits. Workers generally need to be unable to work any job for SSDI benefits to be an option.
Conditions ranging from mental health disorders to musculoskeletal conditions can force someone to stop working. If an employee has documentation that their condition prevents any gainful employment, they may qualify for SSDI benefits.
Understanding the rules for qualifying for SSDI benefits can help Michigan workers determine whether to apply. Applicants who seek legal support throughout the process may be more likely to secure benefits when they need them.