New Jersey residents are generally aware of Social Security Disability Insurance, but there are specific facts about the federal government program that many people do not realize. Claims are typically denied unless the submitted medical issue is already approved per the agency Blue Book list, and even then, a denial may be issued on the initial application. Most claims are won through the four-level appeals process that allows claimants to prove their medical problem or multiple problems that render them unable to maintain substantive gainful employment, also known as SGE within the system.
Some applicants are eligible for SSI when denied SSDI
Not every applicant will be eligible for Social Security Disability Insurance, or SSDI. It is an earned benefit for those who have 40 Social Security tax credits over their working career, with 20 of those credits being earned in the past 10 years. A worker can earn four credits per year with a qualifying income of $1,440 per quarter.
Those who are not qualified may be eligible for Supplemental Security Income if they have less than $2,000 in assets, or $3,000 for a married individual. There are restrictions on real estate and vehicle ownership as well.
Rules change as workers age
Another rule that is central to SSDI claim approval is the age of the applicant along with severity of their condition. Applicants under 50 years of age who are restricted from maintaining their historical employment may be eligible while others under 50 years of age might not be. The SSA recognizes that age discrimination begins around age 50. Those who do not receive permanent approval may be approved for retraining in some cases, or they might potentially receive SSI if eligible.
These are just a few helpful tips for those considering applying for Social Security benefits. The process can be long and frustrating for many, but knowing what to expect can be vital information for all claimants.