At Parmele Law Firm in St. Louis, we help people every year determine whether they should apply for Social Security disability insurance or Supplemental Security Income. If you qualify for Social Security disability benefits, it will change your life for the better and give you the opportunity to provide for yourself. Our disability lawyers will speak with you, assess your situation, and help you plan the best route of action to get you the benefits you need. Find a brief overview of Social Security disability insurance qualifications below.
Difference Between Social Security Disability Insurance & Supplemental Security Income
Some people confuse Social Security disability insurance (SSDI) and Supplemental Security Income (SSI). The difference between the two Social Security programs lies in income. the Social Security Administration sets aside SSI for people with economic needs. Accepted SSI applicants also have disabilities, but these disabilities range from old age to blindness to permanent long-term disability. SSDI, on the other hand, only accepts applicants who can no longer engage in substantial gainful activity. These applicants must have accumulated a certain amount of work credits prior to applying for SSDI as well.
Substantial Gainful Activity
Loosely defined as your ability to work and earn enough income to support yourself, substantial gainful activity determines whether or not you qualify for SSDI. If your disability prohibits you from earning a certain amount of money, then you can you meet the requirements. However, you must be unable to earn that amount of money in any field in which you can find work, not just in the field in which you were working when you became disabled. For 2017, the Social Security Administration considers a monthly income of $1,170 to be substantial gainful activity. If your disability limits your ability to make more than this, you meet this requirement.
The Social Security Administration only grants SSDI to people who have accumulated the appropriate amount of work credits prior to becoming disabled. One work credit is equal to $1,300. If you make this much money in one year, you earn one work credit. You can earn up to four work credits in one year. the Social Security Administration sets work credit requirements based on your age. The older you are, the more time they expect you to have worked and the more work credits you need.
Contact Parmele Law Firm St. Louis
Parmele Law Firm works for those of you in the St. Louis area. If you do not qualify for substantial gainful activity and worked consistently before your disability, you should contact the Parmele Law Firm in St. Louis and talk to a disability attorney about qualifying for Social Security disability insurance.