Social Security Disability Insurance (SSDI) provides financial support for individuals who are unable to work due to severe disabilities. SSDI eligibility is based on several factors, including work history, disability severity, and age. Let’s explore the criteria for SSDI eligibility, the approval rates by age, and what steps you can take to improve your chances of a successful claim depending on the Social Security disability age chart.
SSDI Eligibility Criteria
To qualify for SSDI, individuals must meet specific criteria. The Social Security Administration (SSA) uses a set of rules to determine whether a person is eligible for benefits. First, applicants must have worked in jobs that are covered by Social Security.
Age Groups and Approval Rates for SSDI Benefits
Age plays a significant role in determining SSDI eligibility and approval rates. Different age groups are approved for benefits at varying rates, reflecting the SSA’s view of how disabilities may affect someone’s ability to work, depending on their age.
Age Categories
Under 50
For individuals under 50, approval rates for SSDI benefits can be more challenging. At this age, the SSA expects that individuals should still have the ability to perform some form of work, even if they have a disability.
50 to 54
Approval rates for those in the 50 to 54 age group tend to increase. The SSA recognizes that as people approach their mid-50s, the combination of age, education, and physical or mental impairments can make it more difficult to adjust to new work.
55 to 59
Applicants aged 55 to 59 tend to experience even higher approval rates. By this age, individuals are often more established in their careers and have less flexibility in switching to different types of work due to their disabilities. As a result, the SSA acknowledges that these individuals may face greater challenges in returning to the workforce, leading to a higher likelihood of approval for SSDI benefits.
60 to 64
Approval rates increase further for individuals aged 60 to 64. At this stage of life, many individuals are nearing retirement age, and the SSA recognizes that transitioning to new work may be particularly difficult due to their disabilities.
65 and Older
Once individuals reach the age of 65 or older, SSDI benefits generally give way to regular Social Security retirement benefits. However, if an individual becomes disabled before turning 65, they may still be eligible for SSDI.
Get the Clarity You Need for a Successful SSDI Journey with the Social Security Disability Age Chart
Navigating the SSDI application process can be confusing, and understanding eligibility requirements is just the first step. To increase the likelihood of a successful claim, it’s essential to gather the right medical documentation, understand your rights, and possibly consult with an expert to guide you through the process. Contact a benefits advisor to learn more and get the expert assistance you need.