Social Security has all sorts of benefits, ranging from retirement to disability benefits. SSDI applicants must meet the strict definition of disability in order to be eligible.
Bear in mind that it is the definition that Social Security has set. Of course, there is a long list of qualifying disabilities or impairments. What is more, you must have paid taxes to SSA as you worked.
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If a person has never paid taxes to Social Security, they will never get either retirement or SSDI benefits on their record. Therefore, it is essential to work for the minimum of years required.
What is the easiest age to claim SSDI disability benefits?
Apparently, the approval rates for SSDI applications are higher the older the worker is. For example, if you are between the ages of 60 and 65, the approval rate is about 62%.
Therefore, it is more than likely that you can claim SSDI after the age of 60 and it is accepted. The younger you are, the more difficult it may get. Of course, it will depend on your condition too and the possible consequences of it.
Workers who are from 55 to 59 years of age, have an approval rate for SSDI of about 57%. It is still a high percentage, so if you are in that age range you have a lot of chances to collect disability benefits.
50 to 54-year-olds get less than 50% approval rate. As a matter of fact, only 49 percent of applicants at that age receive disability benefits from Social Security.
What is the approval rate for SSDI in your 40s?
If you are a Social Security Disability Insurance applicant whose age is between 40 and 49, your approval rate plummets. It goes down to 42%, so it will be much tougher to achieve it.
The older you are, the more difficult to get an alternative job it gets. It is true that some people after an accident or after having a condition may no longer do the same job.
However, it may be possible for them to look for some training and do something else. What is more, new breakthroughs may help them get over a disability and they may recover after some time.
But remember that to be eligible for SSDI you need to have at least 9.5 years of work at the age of 60. So, if you have not worked enough you may not qualify despite being easier at that age. Then, exploring SSI is a must.