• Menu
  • Skip to right header navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Before Header

Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

  • Facebook
  • Instagram
  • LinkedIn
  • Twitter
  • YouTube

OLF Ortiz Law Firm National Disability Attorneys

We appeal wrongful long term disability insurance and Social Security Disability denials.

  • ABOUT US
    • Our Team
    • Our Results
    • Areas We Serve
    • Core Values
  • PRACTICE AREAS
    • Initial Application
    • Request for Reconsideration
    • Hearing Before an Administrative Law Judge
  • RESOURCES
    • Top 10 Mistakes That Will Destroy Your Social Security Disability Claim
    • SSD Training Webinar: Knowing What Wins
    • Physical RFC Form
    • Mental RFC Form
  • BLOG
  • Search
  • CONTACT
  • ABOUT US
    • Areas We Serve
    • Testimonials
    • Our Team
      • Nick Ortiz
    • Our Office
    • Core Values
    • Referring Attorney Program
  • PRACTICE AREAS
    • Long Term Disability Claims
      • Administrative Appeals
      • Lawsuits
      • Lump-Sum Buyout Offers
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • Cigna
    • Guardian
    • Hartford
    • Lincoln Financial
    • Matrix Absence Management
    • MetLife
    • Mutual of Omaha
    • Northwestern Mutual
    • New York Life
    • Principal
    • Prudential
    • Reliance Standard
    • Standard
    • Unum
  • RESOURCES
    • Blog
    • Free Downloads
      • Residual Functional Capacity (RFC) Form
      • Mental Residual Functional Capacity (RFC) Form
      • eBook: Top 10 Mistakes That Will Destroy Your LTD Claim
      • eBook: Top 10 Mistakes That Will Destroy Your SSD Claim
      • Cancer Case Study
      • Fibromyalgia Case Study
      • Doctors Guide to ERISA Disability
      • Doctors Visit Record
      • Ultimate Appeal Checklist
      • Medication Log
      • Migraine Diary
    • Lump Sum Disability Buyout Calculator
    • FAQ: Long Term Disability
    • FAQ: Social Security Disability
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT

Mobile Menu

Schedule A Free Consultation Now!

Find out how our law firm can help you win your case or you don’t pay a cent.

(888) 321-8131

  • ABOUT US
    • Areas We Serve
    • Testimonials
    • Our Team
      • Nick Ortiz
    • Our Office
    • Core Values
    • Referring Attorney Program
  • PRACTICE AREAS
    • Long Term Disability Claims
      • Administrative Appeals
      • Lawsuits
      • Lump-Sum Buyout Offers
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • Cigna
    • Guardian
    • Hartford
    • Lincoln Financial
    • Matrix Absence Management
    • MetLife
    • Mutual of Omaha
    • Northwestern Mutual
    • New York Life
    • Principal
    • Prudential
    • Reliance Standard
    • Standard
    • Unum
  • RESOURCES
    • Blog
    • Free Downloads
      • Residual Functional Capacity (RFC) Form
      • Mental Residual Functional Capacity (RFC) Form
      • eBook: Top 10 Mistakes That Will Destroy Your LTD Claim
      • eBook: Top 10 Mistakes That Will Destroy Your SSD Claim
      • Cancer Case Study
      • Fibromyalgia Case Study
      • Doctors Guide to ERISA Disability
      • Doctors Visit Record
      • Ultimate Appeal Checklist
      • Medication Log
      • Migraine Diary
    • Lump Sum Disability Buyout Calculator
    • FAQ: Long Term Disability
    • FAQ: Social Security Disability
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT
  • Facebook
  • LinkedIn
  • Twitter
  • YouTube
You are here: Home / Social Security Disability / Disability Insurance Benefits

Disability Insurance Benefits

July 20, 2020 //  by Dawn Keller//  Leave a Comment

What is the Definition of Disability Insurance Benefits (also known as “regular disability”, DIB, and RSDI), and how do I qualify for such benefits?

Definition of Disability:

For all individuals applying for disability benefits under Title II (Disability Insurance Benefits), and for adults applying under Title XVI (SSI), the definition of disability is the same. The law defines disability as the inability to engage in any substantial gainful activity (SGA) by reason of any medically determinable physical or mental impairment(s) which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months. See, 42 U.S.C. § 423(d) and § 1382c(a)(3).

These statutes further state:

“An individual shall be determined to be under a disability only if his physical or mental impairment or impairments are of such severity that he is not only unable to do his previous work but cannot, considering his age, education, and work experience, engage in any other kind of substantial gainful work which exists in the national economy, regardless of whether such work exists in the immediate area in which he lives, or whether a specific job vacancy exists for him, or whether he would be hired if he applied for work. For purposes of the preceding sentence (with respect to any individual), “work which exists in the national economy” means work which exists in significant numbers either in the region where such individual lives or in several regions of the country.”

See, 42 U.S.C. § 423(d)(2)(a) and § 1382c(a)(3)(b).

Insured Status Requirements:

You must be insured under the Social Security program before retirement, survivors, or disability benefits can be paid to you or your family. Social Security considers the number of quarters of coverage you earned to determine if you are insured. You earn a quarter of coverage (QC)—also called a “credit”—for a certain amount of work covered under Social Security, but you may earn no more than 4 QCs per year. Generally, you need to be fully insured to receive Social Security benefits, but other requirements may also apply. Click here for more details on the Insured Status Requirements for Social Security.

Disability Insured Status:

You have disability-insured status if you:

  1. have earned at least 20 QCs during the last 10 years, and
  2. are fully insured.

Exceptions apply for those under age 31 and in certain other cases.

FacebookTweetPinLinkedInPrintEmail

Category: Social Security Disability

Recent Posts

  • What is a Trial Work Period? [2022 Update]
  • Can A Doctor Refuse To Fill Out Disability Forms?
  • Long Term Disability Delays and Extensions
  • How Do I Ask My Doctor for Disability?
  • Top 10 Mistakes Social Security Disability Claimants Make
Previous Post: « Definition Of Disability And The “One Year Rule”
Next Post: Win Rates For Unrepresented Claimants Vs. Attorney Represented Claimants »

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Top Ten Mistakes That Will Destroy Your Long Term Disability Claim

View All Resources


Gary B.

Top notch concern; number one (1) customer service. At the present time I did not need a lawyer; but they provided me with the knowledge and legal verbiage with law codes to get my long term disability claim in written form from the long term disability company. And also from the company I work for. This law firm went above and beyond to help me! Thank you.

View All Testimonials

Complete this CONFIDENTIAL form or call (888) 321-8131 for a FREE case evaluation

  • This field is for validation purposes and should be left unchanged.

Practice Areas

  • Pensacola Long Term Disability Lawyer
  • Pensacola Social Security Disability Lawyer
  • Personal Injury Claims

Footer

Location

ORTIZ LAW FIRM
(888) 321-8131

316 S Baylen St
Ste 590
Pensacola, FL 32502
Monday - Thursday: 9:00 AM - 5:00 PM Friday: 9:00 AM - 2:00 PM
Saturday - Sunday: Closed

View Site

Our Team

  • Nick Ortiz
  • Jessica Ortiz
  • Dawn Keller
  • Tory Nelson
  • Sarah Peak

Practice Areas

  • Pensacola Long Term Disability Lawyer
  • Pensacola Social Security Disability Lawyer
  • Personal Injury Claims
  • Facebook
  • LinkedIn
  • Twitter
  • YouTube

Site Footer

©2020 Ortiz Law Firm, All Rights Reserved. Reproduced with Permission | Disclaimer | Privacy Policy

Share this ArticleLike this article? Email it to a friend!

Email sent!