If you can’t work because of medical disabilities and you need financial help, you may be eligible for cash benefits from the federal government. You could get monthly disability benefits from both the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs. But, each program has very specific eligibility rules. Do you qualify?

Social Security Disability Insurance (SSDI) Work Rule

SSDI is a form of insurance for workers who have paid into Social Security through past jobs. So, if you have worked and paid FICA taxes from your wages, you could be eligible to get SSDI benefits. The catch, however, is that you must have a recent work history.

The work rule if you’re 31 years of age or older is you must have accumulated 40 work credits within the past 10 years. That equals to five years of work. This doesn’t mean five years in a row. It means your work credits must have been earned within the past 10 years.

Social Security Disability Insurance (SSDI) Medical Rule

If you meet the work rule, then you must medically prove why you can’t work. This can be a challenge. If you have a medical condition that has been identified by the Social Security Administration (SSA) as a disability, you won’t have a problem getting approved for SSDI benefits. Otherwise, you’re going to need medical support from your doctors and a detailed medical history that clearly shows SSA why you can’t work.

Your Social Security Disability Insurance (SSDI) Benefit

How much you get in a monthly cash benefit is based upon how much you have earned over the years. Once you get SSDI benefits you can’t get an increase even if your condition worsens. That’s because you are no longer paying into the Social Security system. The average SSDI monthly cash benefit in 2012 was $1,111.

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