Unfortunately, the chances of becoming disabled are greater than most people like to consider. When an individual becomes disabled, there are different options available through the Social Security Administration available to help them with their everyday needs and expenses. Social Security disability benefits are one option that can help them.

Social Security disability insurance is funded through payroll taxes and is based on work credits earned and work history. Additionally, it is based on a determination of disability. To be considered disabled by the Social Security Administration, the applicant generally must meet two requirements including the work history and work credit requirement and the medical condition requirement. The amount needed to meet the work history requirement changes each year.

The disability requirement includes that the disabled individual suffers from a medical condition that is severe enough it prevents them from working. In addition, the medical condition must be expected to last for a year or longer or result in death. This requirement prevents the payment of Social Security disability benefits for temporary disability. Many disabled individuals may struggle to care for themselves and with simple needs such as food and shelter because their disability prevents them from working.

Social Security disability benefits are an important life line for many disabled individuals who are unable to work and struggling to make ends meet. As a result, disabled individuals should be familiar with Social Security disability and how to successfully apply for benefits because the application process can be challenging and difficult.