Our Charlotte Disability Law Office Discusses Being Fully Insured

For more on this topic, a lawyer from a Charlotte disability law office, contact the Bridgman Law Offices at (888) 632-9912 to schedule a consultation.

Insured

As a preliminary matter, a lawyer from a Charlotte disability law office will ask you about your work history. Part of the reasoning for this line of questioning is that you must have a certain number of work creditors in order to qualify for Social Security disability benefits.

General Rules Regarding Being Fully Insured

A lawyer from a Charlotte disability law office can explain that to be fully insured, you must have at least one quarter of coverage for every calendar year after the year in which you turned 21 until the calendar year before you became disabled. However, over 40 quarters of coverage are not required.

Age-Based Requirements

As an example, you must have 20 quarters of coverage by the time that you are 31 years old. Being gainfully employed within the last five years typically satisfies this requirement. There is a reduced quarter of coverage for claimants who became disabled before they were age 31. In these cases, the claimant must have earned quarterly credits in one half of the quarters since turning 21 until he or she became disabled. In any event, a minimum of six quarters of coverage are required. There is another rule for claimants who became disabled before they were 24. In these cases, they must have at least six quarters of coverage by the quarter in which they became disabled. These claimants do not have to earn quarters of coverage after they became 21.

Date of Coverage

In order to be approved for Social Security disability benefits, you have to prove that you were disabled prior to the date in which you were last insured. This means that your insurance status will usually lapse approximately five years after you had to stop working.

SSI

Even if you do not have adequate earnings to qualify for Social Security disability benefits, a lawyer from a Charlotte disability law office may be able to help. Rather than going through this program, you may be eligible to receive SSI disability benefits.

Legal Assistance from a Charlotte Disability Law Office

If you would like more information on this topic, a lawyer from a Charlotte disability law office may be able to help. Contact the Bridgman Law Offices at (888) 632-9912 to schedule a consultation with a Social Security disability lawyer.