Many people think of retirement living when they hear Social Security, however Social Security gives you benefits to people who are disabled as well.

The bunch of requirements that really must be met for Social Security disability benefits is pretty lengthy, and many people don't meet those requirements. The truth is, the Social Security Administration claims over 60% of applicants are usually denied each year simply because they don't meet the strict description of disability.

Before filing for disability - tests you have to meet to see whether you are eligible for benefits:

First, you must be fully insured person, which means you have attained 40 credits over 10 years in covered employment. In 2011, you must earn at least $1,120 to obtain one credit and $4,480 to earn four credits (you can only get four credits in a year). If you have much less than 10 years of work history, there is an alternative test based on your age to see whether you meet the duration of work test.

The second test is the latest work test, which essentially says that you must have gained at least 20 credits in the last five out of ten years that ends up with the calendar quarter you turned disabled. In general, you should have recent work history in order to qualify for handicap benefits. Again, additional tests apply for people who become disabled before age 31, simply because they haven't had time to build the work history that more mature workers have.

Social Security features a very strict definition of disability, be careful to see you qualify before submitting your Social Security disability application. It's important to note that Social Security is not going to pay benefits based on partial disabilities, you have to be completely and permanently disabled to receive benefits. As per Social Security a person is disabled when he or she is not able to work because of a medical condition or disease that lasted or can be expected to last for at least 1 year (continuously), or that will result in the person's death. Also, the person must not be able to participate in any "substantial gainful activity".

If you meet the strict definition of handicap above, then you should submit an application for Social Security benefits as soon as possible. First, the time to process your application is very lengthy; second, there is a mandatory five-month waiting around period, so you will not receive benefits right away when filing for disability.

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