How You Qualify
To qualify for Social Security disability benefits, you must first have worked in jobs covered by Social Security. Then you must have a medical condition that meets Social Security's definition of disability. In general, we pay monthly cash benefits to people who are unable to work for a year or more because of a disability.
Benefits usually continue until you are able to work again on a regular basis. There are also a number of special rules, called "work incentives," that provide continued benefits and health care coverage to help you make the transition back to work.
If you are receiving Social Security disability benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits, but the amount remains the same.
How Much Work Do You Need?
In addition to meeting our definition of disability, you must have worked long enough—and recently enough—under Social Security to qualify for disability benefits.
Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.
The amount needed for a credit changes from year to year. In 2018, for example, you earn one credit for each $1,320 of wages or self-employment income. When you've earned $5,280, you've earned your four credits for the year.
The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.
What We Mean By Disability
The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.
We consider you disabled under Social Security rules if:
- You cannot do work that you did before;
- We decide that you cannot adjust to other work because of your medical condition(s); and
- Your disability has lasted or is expected to last for at least one year or to result in death.
This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers' compensation, insurance, savings, and investments.
How We Decide If You Are Disabled
If you have enough work to qualify for disability benefits, we use a step-by-step process involving five questions. They are:
1. Are you working?
If you are working in 2018 and your earnings average more than $1,180 a month, you generally cannot be considered disabled.
If you are not working, we will send your application to the Disability Determination Services (DDS) office that will make the decision about your medical condition (Steps 2-5).
2. Is your condition "severe"?
Your condition must interfere with basic work-related activities for your claim to be considered. If it does not, we will find that you are not disabled.
If your condition does interfere with basic work-related activities, we go to Step 3.
3. Is your condition found in the list of disabling conditions?
For each of the major body systems, we maintain a list of medical conditions that are so severe they automatically mean that you are disabled. If your condition is not on the list, we have to decide if it is of equal severity to a medical condition that is on the list. If it is, we will find that you are disabled. If it is not, we then go to Step 4.
We have two initiatives designed to expedite our processing of new disability claims:
- Compassionate Allowances: Certain cases that usually qualify for disability can be allowed as soon as the diagnosis is confirmed. Examples include acute leukemia, Lou Gehrig’s disease (ALS), and pancreatic cancer.
- Quick Disability Determinations: We use sophisticated computer screening to identify cases with a high probability of allowance.
For more information about our disability claims process, visit our Benefits For People With Disabilities website.
4. Can you do the work you did previously?
If your condition is severe but not at the same or equal level of severity as a medical condition on the list, then we must determine if it interferes with your ability to do the work you did previously. If it does not, your claim will be denied. If it does, we proceed to Step 5.
5. Can you do any other type of work?
If you cannot do the work you did in the past, we see if you are able to adjust to other work.
We consider your medical conditions and your age, education, past work experience, and any transferable skills you may have. If you cannot adjust to other work, your claim will be approved. If you can adjust to other work, your claim will be denied.
Most people who receive disability benefits are workers who qualify on their own records and meet the work and disability requirements we have just described. However, we want to point out some situations you may not know about:
- If You're Blind Or Have Low Vision - How We Can Help,
- If You Are The Worker's Widow Or Widower, and
- Benefits For A Disabled Child.
- Benefits for Wounded Warriors & Veterans
Special Rules For People Who Are Blind Or Have Low Vision
We consider you to be legally blind under Social Security rules if your vision cannot be corrected to better than 20/200 in your better eye or if your visual field is 20 degrees or less, even with a corrective lens. Many people who meet the legal definition of blindness still have some sight and may be able to read large print and get around without a cane or a guide dog.
If you do not meet the legal definition of blindness, you may still qualify for disability benefits if your vision problems alone or combined with other health problems prevent you from working.
There are a number of special rules for people who are blind that recognize the severe impact of blindness on a person's ability to work. For example, the monthly earnings limit for people who are blind is generally higher than the limit that applies to non-blind disabled workers.
In 2018, the monthly earnings limit is $1,970.
Benefits For Disabled Widows Or Widowers
If something happens to a worker, benefits may be payable to their widow, widower, or surviving divorced spouse with a disability if the following conditions are met:
- He or she is between ages 50 and 60;
- Their condition meets the definition of disability for adults; and
- The disability started before or within seven years of the worker's death.
Widows, widowers, and surviving divorced spouses cannot apply online for survivors benefits. However, if they want to apply for benefits, they should contact Social Security immediately at
They can speed up the application process if they complete an Adult Disability Report and have it available at the time of their appointment.
We use the same definition of disability for widows and widowers as we do for workers.
Benefits For A Disabled Child
A child under age 18 may be disabled, but we don't need to consider the child's disability when deciding if he or she qualifies for benefits as your dependent. The child's benefits normally stop at age 18 unless he or she is a full-time student in an elementary or high school (benefits can continue until age 19) or is disabled.
For a child with a disability to receive benefits on your record after age 18, the following rules apply:
- The disabling impairment must have started before age 22, and;
- He or she must meet the definition of disability for adults.
An adult disabled before age 22 may be eligible for child's benefits if a parent is deceased or starts receiving retirement or disability benefits. We consider this a "child's" benefit because it is paid on a parent's Social Security earnings record.
The "adult child"—including an adopted child, or, in some cases, a stepchild, grandchild, or step grandchild—must be unmarried, age 18 or older, and have a disability that started before age 22.
What if the adult child never worked?
It is not necessary that the adult child ever worked. Benefits are paid based on the parent's earnings record.
What if the adult child is currently working?
An adult child must not have substantial earnings. The amount of earnings we consider "substantial" increases each year. In 2018, this means working and earning more than $1,180 a month.
Certain expenses the adult child incurs in order to work may be excluded from these earnings. For more information about work and disability, refer to Working While Disabled: How We Can Help.
What if the adult child is already receiving SSI benefits?
An adult child already receiving SSI benefits should still check to see if benefits may be payable on a parent's earnings record. Higher benefits might be payable and entitlement to Medicare may be possible.
What if the adult child is already receiving disability benefits on his or her own record?
An adult child already receiving disability benefits should still check to see if benefits may be payable on a parent's earnings record.
It is possible for an individual disabled since childhood to attain insured status on his or her own record and be entitled to higher benefits on a parent's record.
What if the parent never worked?
No benefits would be payable on the record of a parent who never worked
Can an application be completed online for disabled adult child's benefits?
At this time, you cannot apply for disabled adult child's benefits online. If you wish to file for benefits, contact Social Security immediately at
You can speed up the application process if you complete an Adult Disability Report and have it available at the time of your appointment.
How do we decide if an adult "child" is disabled for SSDI benefits?
If a child is age 18 or older, we will evaluate his or her disability the same way we would evaluate the disability for any adult. We send the application to the Disability Determination Services in your state that completes the disability decision for us.
For detailed information about how we evaluate disability for adults, see Disability Benefits .
What happens if the adult child gets married?
If he or she receives benefits as an adult disabled since childhood, the benefits generally end if he or she gets married. However, some marriages (for example, to another adult disabled child) are considered protected.
The rules vary depending on the situation. Contact a Social Security representative at