What are Social Security Disability Insurance Benefits (DIB)?
Social Security disability insurance benefits (DIB) are benefits for those people who are disabled under Social Security's rules, and have worked enough to qualify.
To qualify for Social Security
disability, you must:
The general rule looks at how much you have worked in the last 10 years, or 40 "calendar quarters." Each year has 4 calendar quarters. The rule is that you must have worked enough to have at least 20 "covered quarters" during the last 40 quarters.
To have a "covered quarter," you
must have earned a certain amount in wages or from self-employment. The amount needed changes almost every year.
In 2012, you must make $1,130 in order to have one covered quarter.
are five steps in that process:
Obviously, if you’re working full-time now, it will be hard to prove you can’t work. If you’re working now, Social Security will look mostly at how much you’re earning. If you’re earning less than $1,010/month, Social Security probably won’t hold it against you. If you’re earning more than $1,010/month, they probably will. This figure can increase every year, so keep in mind that it was less in previous years.
A non-severe medical
problem won’t qualify you for disability even if you aren’t working.
Social Security agrees that certain problems are so severe that if you have them, you automatically qualify.
Example: if you are missing both hands. If you have one of these problems, you win without proceeding to Step 4.
Social Security looks at the work you’ve done in the last 15 years and decides if you can still work one of these jobs. If Social Security decides that you can, you do not qualify for disability.
Even if you can’t do what you used to do, if there is any job in your area that you can do, you won’t qualify for disability. But if there are no jobs you can do, then you will qualify for disability.