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Social Security Disability’s “5 Year Rule” - Vent Magazine

Social Security Disability Insurance (SSDI) benefits are there for eligible American workers who become unable to perform “substantial gainful activity.” SSDI provides a financial lifeline for working Americans who become disabled and, thus, lose their income. It is, however, an earned benefit for which one must qualify, both through work credits earned while contributing to Social Security, and the seriousness of their disability. The eligibility criteria are strict, and “recent work” is one of those criteria in the form of the so-called “5 year rule.” The 5 year rule essentially says that, among other things, you must have worked at least 5 of the last 10 years to be eligible for SSDI benefits (some wiggle room for younger workers), as explained in this insightful article by Anyehara De Los Santos, a seasoned NY benefits consultant, appearing in Vents Magazine. Click here to read about SSDI and the 5 year rule.

Also, if you’re unsure about how these basics apply to you, or if you have any questions about your individual situation under Social Security, note that the AMAC Foundation provides a free-to-the-public advisory service to help Americans navigate the complexities of this program. All questions are answered quickly, at no charge. Learn more about it here…

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