What are the requirements for long-term disability benefits from Social Security?

• A. Applicants must show they can no longer work due to a temporary condition
• B. Applicants must demonstrate they are unable to work due to a medical condition expected to last at least 12 months
• C. Applicants must have a minimum income level
• D. Applicants must be over the age of 65

Answer: (B)

Long-term disability benefits from Social Security, known as Social Security Disability Insurance (SSDI), require applicants to demonstrate that they have a medical condition that significantly impairs their ability to work. Specifically, the condition must be expected to last at least 12 months or result in death. This requirement is in place to ensure that benefits are provided only to those individuals facing long-term disabilities rather than temporary or short-term health issues. The emphasis on a condition lasting a minimum of one year underscores the program's focus on sustained, impactful disabilities.

In contrast, other options address either conditions that do not align with the long-term nature of SSDI, such as temporary conditions or income levels, neither of which are criteria for eligibility. The age requirement mentioned is also not relevant as individuals of any age, who meet the medical criteria and have sufficient work credits, may apply for these benefits.