Changes in Social Security Disability Insurance (SSDI) requirements can make it difficult for individuals to know if they qualify for benefits. In 2024, new policies and rules have come into play that could impact who is eligible. For those who are preparing to apply for benefits, staying up to date on these changes—and even looking ahead to 2025—is essential.
In this blog, we will walk you through what’s changing in 2024, what we anticipate for 2025, and how you can ensure your claim is ready for success.
Understanding SSDI Work Credit Requirements for 2024
One of the most critical aspects of SSDI eligibility is accumulating enough work credits. For every year you work and pay into Social Security, you earn credits that count toward your eligibility. In 2024, the income threshold for earning work credits has slightly increased.
- Work Credits in 2024: To earn one credit, you need to make at least $1,640 in covered earnings. You can earn up to four credits per year, so working part-time may still be enough to secure the necessary credits.
- How Many Credits Are Needed? The number of credits you need depends on your age when you become disabled. Generally, people need at least 40 credits, 20 of which were earned in the last 10 years.
Example:
If you are 50 years old and have worked consistently for the past 10 years, earning at least $1,640 per quarter, you should have the required 40 credits. However, if you’ve had gaps in your work history due to health issues, it’s important to consult an attorney to determine if you still qualify.
Medical Listings: New Conditions Added in 2024
The Social Security Administration (SSA) updates its list of qualifying conditions periodically. For 2024, the most significant changes are found in the musculoskeletal and respiratory system listings.
- Musculoskeletal Updates: Conditions like chronic pain, osteoarthritis, and spinal disorders may now qualify more individuals for SSDI. This change reflects the understanding that chronic pain can severely impact someone’s ability to work.
- Respiratory Conditions: For individuals with long COVID or other respiratory ailments, updated guidelines may make it easier to qualify under these medical listings. However, comprehensive medical documentation is essential to prove your case.
Looking Ahead: What Can We Expect in 2025?
While we cannot predict every change coming in 2025, there are several key areas to watch:
- Cost-of-Living Adjustments (COLA): As inflation continues to impact everyday costs, Social Security benefits—including SSDI—will likely see a COLA increase in 2025, just as they did in 2024, which saw an 8.7% increase.
- Income Thresholds: The amount of money you need to earn to qualify for work credits and the maximum income you can make while still receiving SSDI benefits will likely increase slightly to adjust for inflation.
- Policy Changes for Long COVID: By 2025, we anticipate more clear-cut guidelines for individuals suffering from long COVID. This could include updates to medical listings and clearer criteria for how long COVID impacts someone’s ability to work.
Example:
In 2024, an individual with long COVID might need extensive documentation from multiple doctors to prove the severity of their symptoms. By 2025, we may see more streamlined processes for proving long COVID disability.
How These Changes Impact Your SSDI Application
With these evolving requirements, it’s more important than ever to ensure your application is as strong as possible. The SSA looks at both your work history and medical documentation when evaluating claims, so having up-to-date records is crucial.
- Work History: Make sure your earnings history is complete. This can be done by requesting your Social Security Statement online.
- Medical Documentation: Ensure you have comprehensive records from your healthcare providers, particularly if you’re applying for benefits under newly added medical listings.
Example:
If you’re applying for SSDI in 2024 based on a spinal disorder, you’ll need detailed reports from your doctor outlining how your condition prevents you from working. A diagnosis alone isn’t enough—you’ll also need to provide evidence of treatment attempts, physical therapy records, and how your condition impacts daily tasks.
Steps to Take to Strengthen Your Claim
- Review Your Earnings History: Log in to your Social Security account and review your earnings to ensure there are no gaps. This will also tell you how many work credits you have.
- Collect Comprehensive Medical Records: Reach out to all your healthcare providers to gather detailed records of your treatment history.
- Consult an Attorney: Given the complex changes to SSDI requirements, it’s advisable to consult with an experienced disability attorney. They can help you navigate these changes and present the strongest possible case.
With the 2024 updates and 2025 projections, SSDI eligibility requirements are evolving. These changes can be confusing, but you don’t have to go through it alone. Whether you’re applying for the first time or dealing with a denial, Disability Law Group is here to help.
Our experienced attorneys understand the new rules and can guide you through the process step-by-step. Contact us today for a free consultation, and let us help you get the benefits you deserve.
