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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.

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