Age-related diseases and illnesses occur frequently for older Americans. As we get older, our bodies become less resilient and more likely to develop certain diseases and other conditions. Because of these conditions that relate to aging, many people are unable to work, and their bodies may reach a disabled state by the time they are 50.
If you are under the age of 50, the Social Security Administration generally will consider you to be a “younger individual.” This is true for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). SSDI after 50 is determined based on work credits that the applicant has accumulated through their working years. SSDI is for those individuals who have accumulated sufficient credits in their work history to qualify for these disability benefits.
Many individuals are unaware that there are special rules for disability programs for people over the age of 50. It gets easier for individuals to seek and qualify for disability benefits. There is a particular set of rules that apply, called the “grid rules.” The SSA considers the age of 50 as an advanced age for this purpose.
It is fairly common knowledge that this is the age when otherwise-benign conditions can develop into larger, more serious problems. Therefore, if you have a medical condition that limits your ability to work, you should read about the special rules for Social Security disability benefits over 50. Continue reading to learn more about the rules and get all the information.
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The Social Security disability grid rules help the SSA evaluate how disabled an individual is, regardless of their medical condition and official diagnosis. It can help to assess whether an applicant can work at any other job or whether their condition is limiting to the extent that it prevents them from working at all.
The special rules for workers over 50 can be influenced heavily by the following four significant factors:
If you can perform heavy, strenuous work, it will not be easy to qualify for disability benefits. This is because there are various job opportunities for people who can perform heavy work, as per the SSA. However, other factors, such as skill level and education, can also play a significant role in determining a person’s eligibility for disability benefits after 50.
Again, the rule remains the same for education, i.e., less education means a higher chance of getting approval for one’s disability claim. However, the final decision will be a combination of all the four factors that come under grid rules.
Applicants Ages 50 to 54
The SSA does not have any special rules for applicants who are older than 50. People who are disabled, are 50 to 54 years old, and cannot perform any work that involves limited physical activity may improve their chances of getting approved for benefits.
Applicants Ages 55 to 60
When a claimant is age 55 to 60, then the SSA will analyze the age, past work experience, education level, and performance in less demanding work. If you have serious health problems, you may be granted disability benefits in the first instance. Further, the SSA regularly appoints vocational experts who can testify with regard to an individual’s capabilities in a work setting.
Applicants Older Than 60
Disability rules are more flexible for claimants who are older than 60. People who have disabilities are likely to receive the benefits they need if they are unable to perform any work. The SSA’s determination can increase your chance of drawing complete Social Security retirement benefits. The benefits will be granted when you are completely retired at the age of 62. This can help you receive increased retirement benefits instead of accepting reduced benefits at a younger age.
To determine whether an individual is disabled, there are certain questions that the SSA may consider before making its decision:
The SSA regulations state that a claimant must be able to provide evidence that they are not able to do any kind of work as a result of their disability. In addition to this, a claimant should also be able to provide valid proof of their disability, including medical records and how well they are responding to their doctor-prescribed treatment. Your disability application will be analyzed and then the SSA can make a determination based on the evidence that you have provided.
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