Prerequisites for Receiving SSDI

SSDI works similarly to an insurance program—hence its name. To receive the benefit, applicants will have had to work for a specific period of time, paying into a Social Security Trust Fund through payroll taxes. In addition, applicants need to meet the following SSDI prerequisites:

  • You can no longer do the type of work you did before
  • You cannot easily adjust to another type of work because of your medical condition
  • You have worked and paid into Social Security earning satisfactory work credits
  • Your disability has lasted or is expected to last for at least one year or result in death

Prerequisites for Receiving SSI

Fewer people are familiar with SSI. A program meant to cover the gap in Social Security retirement and disability programs, SSI is often used by those who cannot receive SSDI or retirement benefits because of the work history requirement. To qualify, applicants must identify and present proof of one of the following: 65 years of age or older, blind, or disabled. Other requirements include:

  • You must have limited income or resources
  • You must be unable to work due to age or disability
  • You must be a U.S. citizen, national, or an alien in a certain category
  • You must be residing in the U.S. but cannot be confined at the State’s expense (correctional or psychiatric facilities, etc)