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Disability benefits aren't always easy to obtain

When you are injured or suffer a serious medical condition and know that you won't be able to return to work, you might realize that you need to file for Social Security Disability (SSD) payments. These payments are possible thanks to the taxes that you've paid into the system through the course of your employment.

Each year, you can earn up to four credits that go toward your eligibility. In total, you will likely need 40 credits in order to be able to qualify for benefits. That number might be smaller if you are very young when you aren't able to work. For reference, one credit is earned for every $1,320 you earn in 2018. This means that you will earn the maximum possible when you have earned only $5,280 for the year.

On top of the number of credits that you need, it also has to be determined that you have a condition that qualifies for the program. For the purpose of SSD, the condition you have must be expected to last for at least a year or to cause your death. It must make it impossible for you to do gainful work that enables you to support yourself.

The process of getting disability from Social Security isn't easy. You should be prepared to hurry up and wait. Many first-time applications are denied. If this occurs, you will need to appeal. This comes with strict deadlines and processes that you need to comply with. Be sure to get assistance if you don't understand what you need to do during the process.

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