Understanding SSDI Eligibility: What Qualifies?
Social Security Disability Insurance (SSDI) provides monthly financial support to individuals who can no longer work due to a qualifying disability. While the program can be a vital lifeline, the Social Security Administration (SSA) has strict rules about who qualifies. If you live in Tyler, Texas, or the surrounding areas, understanding these criteria is the first step toward a successful claim.
Basic Eligibility Requirements for SSDI
To qualify for SSDI benefits in Texas, you must meet both medical and work history requirements. Here’s a breakdown:
1. You Must Have a Severe Medical Condition
The SSA defines disability as the inability to engage in any substantial gainful activity (SGA) due to a medically determinable physical or mental impairment expected to last at least one year or result in death.
Your condition must:
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Prevent you from doing your previous job,
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Prevent you from adjusting to other work, and
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Be listed in the SSA’s Blue Book, or be proven to be as limiting as a listed condition.
Common qualifying impairments include:
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Mental health disorders (e.g., depression, PTSD, schizophrenia)
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Cardiovascular conditions
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Cancer
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Neurological disorders (e.g., epilepsy, MS)
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Immune system disorders
2. You Must Have Enough Work Credits
SSDI is an insurance program funded through payroll taxes. To qualify, you must have worked and paid into the Social Security system long enough—typically earning 40 credits, 20 of which were earned in the last 10 years.
You earn one credit per $1,730 of wages or self-employment income (as of 2024), up to four credits per year.
Younger individuals may qualify with fewer credits.
Why Your SSDI Application May Be Denied
Even if you meet the basic criteria, your SSDI application can still be denied for reasons such as:
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Lack of medical evidence
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Inconsistent treatment records
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Not following prescribed treatments
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Earning above the SGA limit
Most first-time applications are denied. That’s why legal guidance can be critical.
Why You Should Work With an SSDI Lawyer in Tyler, TX
Filing for SSDI benefits is a complex and time-consuming process. An experienced SSDI lawyer in Tyler can:
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Help gather medical documentation and work history
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Communicate directly with the SSA on your behalf
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Prepare you for hearings if your claim is denied
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Improve your odds of approval during appeals
Cheryl A. Wulf understands the unique challenges East Texans face when applying for Social Security Disability. With years of experience in disability and personal injury law, she offers personalized guidance from the first application to final resolution.
Contact Block (as always):
Cheryl A. Wulf, Attorney at Law
Office: 11702 State Hwy 64 E, Tyler, TX 75707
Call: (903) 525-9869
Fax: (866) 824-4469.
