Social Security Disability-earned benefit for those who qualify

by Aug 4, 2014Frequently Asked Questions

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Some Knoxville workers may not be aware that Social Security Disability (SSD) insurance is a benefit workers earn through Social Security taxes they pay on their earnings. Other Social Security options may exist for individuals who have not worked to earn Social Security Disability coverage. Unlike some other types of coverage, such as workers’ compensation, that may provide partial or temporary coverage, Social Security Disability determines if the worker’s disability is expected to last a year or more before awarding benefits. Additionally, the applicant must be suffering from a medical condition that is the cause of the disability.

To qualify to receive benefits, in addition to having a medical condition that is expected to last at least 12 months, or result in death, the disability must prevent the applicant from performing the work the applicant performed in the past or from performing a different type of work in the future. Nearly 9 million workers with various types of disabilities account for those receiving Social Security Disability benefits. It is important to keep in mind that one in four 20-year old workers will become disabled before reaching retirement age.

It is also important to keep in mind that Social Security Disability insurance is earned and may be a useful resource for those suffering with disability and an inability to work. To meet the requirements for Social Security Disability insurance, an applicant must demonstrate that they meet both the work and medical requirements. This may seem intimidating to some applicants who are in need of SSD benefits but understanding the requirements can help an applicant better progress through the process.

With an understanding that twenty-five percent of young workers will experience disability before retiring, it becomes clear how important SSD benefits can be. Knowing how to successfully apply for much-needed benefits can have a positive impact on the lives of many suffering with disability.

Source:, “ADRC column: Disability awareness,” Michelle McDougal, August 3, 2014