Becoming disabled and not being able to work is a thing that most people do not like to think about. The chances of it happening are greater than what most people would imagine. Studies have shown that a 20 year old has about a 30% chance of becoming disabled prior to reaching full retirement age. If you are unfortunate and become disabled, contact one of the Tulsa Social Security Disability Attorneys, who will assist you in obtaining your maximum benefits under the law.
The Social Security Administration pays disability benefits to individuals under two different programs, the Social Security Disability Insurance Program (SSDI) and the Supplemental Security Income (SSI) Program. Under the SSI Program you may qualify as a disabled person even if you have not paid enough into the Social Security system. The SSI Program provides payments to low income people who are 65 or older or are blind or have a disability.
Under the Social Security Disability Insurance (SSDI) Program, you can receive benefits if you cannot work because of a medical condition that is expected to last a minimum of one year or will result in death. Under this program short term disabilities or partial disabilities do not qualify. In addition, certain members of your family may be eligible for benefits under this program.
Under the SSDI Program, most people will have to meet two earning tests.
- A “recent work” test which is based on your age at the time you became disabled.
- A “duration of work” test that shows that you have worked long enough under Social Security.
Certain blind workers have to meet only the “duration of work” test.
Recent Work Test
|When You Became Disabled||General Requirements|
|In all before the quarter you turn age 24||1 1/2 years of work during the three year period ending with the quarter your disability began|
|In the quarter after you turn age 24, but before the quarter you turn age 31||Have worked during half of the time of the period beginning with the quarter after you turn 21 and ending with the quarter you became disabled|
|In the quarter you turn age 31 or later||Have worked during five years out of the ten-year period ending with the quarter your disability began|
Duration of Work Test
|Before Age 28||1 1/2 years|
|Before Age 30||Two years|
|Before Age 34||Three years|
|Before Age 38||Four years|
|Before Age 42||Five years|
|Before Age 44||5 1/2 years|
|Before Age 46||Six years|
|Before Age 50||Seven years|
|Before Age 52||7 1/2 years|
|Before Age 54||Eight years|
|Before Age 56||8 1/2 years|
|Before Age 58||Nine years|
|Before Age 60||9 1/2 years|
Please note that the above table does not cover all situations.
If you feel you may qualify for Social Security Disability payments under either program, please contact a Tulsa Social Security Disability Attorney.