Latest News
The ‘5-Year Rule’ Explained
According to the Social Security Administration (SSA), more than one in four 20-year-olds will develop a disability before they reach retirement age. Andrew Lisa explains that the SSA’s eligibility standards for Social Security Disability Insurance (SSDI) are notoriously unforgiving. The agency pays SSDI benefits only for conditions that completely preclude the applicant from working and that are expected to persist for at least one year or result in death. In order to qualify for SSDI before full retirement age, applicants must have a condition that meets the SSA’s definition of a disability and satisfy two earnings tests: a recent work test and the five-year rule. These are explained more in the full article here.
This posting is presented for informational purposes only and does not represent legal or financial guidance. Any opinions or interpretations presented are either those of the original author or, in the case of articles authored by the AMAC Foundation, are the opinions of AMAC Foundation staff, originally trained and accredited by the National Social Security Association (NSSA) and certified via the AMAC Foundation. Any links included in the article are valid on the posted date; socialsecurityreport.org cannot guarantee the duration of the links’ validity. NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (https://amacfoundation.org/services/) or email us at ssadvisor@amacfoundation.org. Because we are a non-profit organization, there is no charge for these services.