When someone has worked hard and earned a substantial income before becoming disabled, it can feel uncertain how that history impacts Social Security Disability benefits. Many people assume that their prior earnings may make them ineligible or reduce their chances, but the process is more nuanced. Understanding how income history plays into disability benefits can help set expectations. A good social security disability lawyer can explain your benefits to you and help file for everything. Our colleagues at Hickey & Turim, S.C. go over some of the hurdles you may face after having a high income – and what you can do to get the right amount of benefits.
How Past Income Is Considered
Social Security Disability Insurance (SSDI) is based on work credits, which are earned by paying into Social Security through payroll taxes. High earners typically accumulate these credits more quickly, which strengthens their eligibility. The amount a person contributed throughout their career will also affect the benefit amount they receive, but it doesn’t disqualify them from applying.
The Role Of Work Credits
To qualify for SSDI, applicants must have enough work credits, which depend on both age and years of employment. For someone with a long and successful career, this requirement is usually met. However, it’s important to show that the disability prevents any kind of substantial gainful activity (SGA), regardless of prior income levels.
Current Income Limits
Even if someone earned a high income in the past, what matters most now is whether they are able to work and earn above the SGA threshold. In 2024, the SGA limit is $1,550 per month for most individuals. If a disabled person earns less than that, they may still qualify, but exceeding that limit could jeopardize eligibility.
Potential Misunderstandings
One common misconception is that higher earners will be denied benefits because of their past income. In reality, their past contributions often mean they are entitled to a higher monthly benefit if approved. The focus of the application remains on proving the disability and showing how it prevents gainful work.
Why Legal Guidance Helps
Navigating SSDI is rarely straightforward, especially for those with complex work and income histories. A lawyer can help clarify eligibility, gather the necessary medical and work-related evidence, and present the strongest case for approval. This ensures that past income works in favor of the applicant rather than creating unnecessary worry. A lawyer can even work with you to go over why a will matters and how someone who is on disability may want to create one for their loved ones.
For individuals who had high earnings before becoming disabled, Social Security Disability benefits are still within reach. With the right documentation and support, it’s possible to secure the benefits needed to maintain stability and focus on recovery.