Qualifying for Social Security Disability Insurance (SSDI) benefits isn’t always easy. The standard for qualifying is relatively high. People seeking benefits typically need proof that they can no longer maintain any form of gainful employment.
Even if someone worked in a well-paid profession and can now only work as a cashier or receptionist, they may not be eligible for SSDI benefits. Only those totally unable to support themselves can secure SSDI benefits.
There are some workers who receive special consideration. The Social Security Administration (SSA) has unique rules that apply to those who have long-term blue-collar careers. If these professionals become incapable of continuing their jobs, they can sometimes qualify for SSDI benefits when others will not. Under the worn-out worker rule, some blue-collar employees have an easier time qualifying than other professionals.
What is the worn-out worker rule?
The SSA acknowledges that arduous manual labor can affect an employee’s overall health and physical well-being. The impact that physical labor has on the human body means that blue-collar workers may have more medical issues later in their careers and during their retirement years.
In scenarios where blue-collar workers sustain injuries or develop medical conditions that prevent them from continuing their current jobs, they may be eligible for SSDI benefits. To qualify under the worn-out worker rule, they have to meet several important standards.
They need to have 35 years or more of employment history in a blue-collar profession where they performed manual labor. They also typically can only have a marginal education. Such workers are unlikely to be able to support themselves with the money they can earn through alternate employment after developing a debilitating medical condition.
Their health may also be overall compromised because of the years of physical labor they already performed. Those seeking SSDI benefits, especially via unusual rules, may need help with their applications or with appeals.
Learning more about the rules for SSDI benefits can help those who cannot work navigate a difficult system. Many blue-collar workers seeking benefits may require the support of someone familiar with the SSA’s red tape and policies. Those hoping to qualify using special programs and rules often need professional help when reviewing their eligibility and navigating the application process.