There are many kinds of medical conditions that might affect a person’s ability to work. Cancer, brain injuries and even broken bones can impact a professional’s functional abilities.
In cases where continuing to work becomes impossible, people may be eligible for Social Security Disability Insurance (SSDI) benefits. The Social Security Administration (SSA) has a strict standard for SSDI benefits. Typically, only those who cannot work at all and cannot return to work for 12 months or longer may qualify.
Can professionals qualify for SSDI benefits if they can no longer work their jobs?
A job change is not always enough
People generally need to maintain their physical health and mental acuity to continue their chosen careers. Drastic changes in their cognitive function or physical health could force them to leave white-collar professions or blue-collar careers.
Generally speaking, even those who have to move from a six-figure salary to a minimum wage position can still work. Therefore, they do not qualify for SSDI benefits.
There is a special rule that applies to blue-collar workers with a marginal education. They may be able to qualify for SSDI benefits if a medical condition is severe enough to force them to change jobs. For most other professionals, including white-collar professionals in specialized careers, the ability to work any job may disqualify them from SSDI benefits.
Reviewing medical challenges and work history can help professionals evaluate their options. Some people who cannot work their current jobs anymore may be eligible for SSDI benefits. Those with debilitating medical conditions can apply for SSDI benefits if they can no longer work at all.
