Qualifying for Social Security Disability Insurance SSDI benefits is usually relatively difficult. Workers only become eligible when they are incapable of keeping any job. Most of the time, medical conditions that end a career but do not prevent people from maintaining unskilled jobs are not enough to qualify for SSDI benefits.
The Social Security Administration (SSA) only approves applications submitted by those who are completely unable to work because of their health. They also need to have medical issues that should last for a year or longer. While most applicants are subject to the exact same standards, some people are eligible for special consideration.
Blue-collar workers often sacrifice their physical health for their careers. They often perform arduous physical labor that may negatively impact their quality of life and physical capabilities after retirement. The SSA has a special rule that applies to some blue-collar workers who apply for SSDI benefits.
A change of career could make workers eligible
As explained above, workers who have to switch professions because of medical issues are typically not eligible for SSDI benefits. However, some blue-collar workers can qualify for benefits if they can’t keep the same job anymore.
The SSA considers the damage that a blue-collar career may have caused their bodies and may grant them benefits even if they might be able to work at a grocery store or a fast food restaurant. This special worn-out worker rule only applies in limited scenarios.
Not every blue-collar employee qualifies under this rule. Generally, they need to have maintained a manual blue-collar profession for 35 years or longer to be eligible. They also need to only have a marginal education. Typically, that means a sixth-grade level of education based on current standards.
If a worker who meets those criteria can show that they can no longer work their job because of their health, then they may qualify for SSDI benefits. Applicants making use of special rules often need additional help. They may need to gather more documentation than other applicants. They may also have a greater chance of needing to appeal to secure benefits.
Consulting with a lawyer familiar with the rules for SSDI benefits can help workers evaluate their options. People who have assistance may be able to focus better on adjusting to life with medical challenges instead of worrying about bureaucratic red tape.