How to Qualify for Social Security Disability in Denver

To qualify for either SSDI or SSI, you must meet strict federal criteria related to your health, work history, and financial status. But many people apply and receive an avoidable denial, often due to incomplete paperwork or a misunderstanding of eligibility rules. 

Our Denver Social Security Disability lawyers have helped clients across Colorado obtain their SSD benefits for over a decade. Here, we explain the qualifications for SSDI and SSI.

Who Oversees Disability Benefits in Colorado?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are both federal programs run by the Social Security Administration (SSA). SSDI is based on your work history and payroll tax contributions, while SSI is a needs-based program for people with limited income and assets.

In Colorado, the SSA processes your application but forwards the medical evaluation to a state agency called the Colorado Disability Determination Services (DDS), which reviews your medical records and decides whether you qualify under federal guidelines.

For answers to your questions, call:
(303) 999-9999

What Are the Basic Qualifications for SSDI or SSI?

The SSA’s official disability criteria make a clear distinction between medical and non-medical eligibility. To qualify for SSDI, you must:

• Have worked long enough and recently enough under SSA rules. This usually means earning 40 work credits, with 20 earned in the past 10 years before becoming disabled.
• Have a qualifying medical condition that prevents you from working and is expected to last at least 12 months or result in death.

On the other hand, qualifying for SSI involves:

• Have little or no income and resources not exceeding $2,000 for an individual or $3,000 for a couple.
• Be either disabled, blind, or at least 65 years old.

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How the SSA Defines “Disability”

The SSA has a strict definition of disability: you must be unable to engage in Substantial Gainful Activity (SGA) due to a medically determinable impairment. As of 2024, the SGA threshold for non-blind individuals is $1,550/month. Earning more than this amount may disqualify you from receiving disability benefits.

Your condition must also severely limit your ability to perform basic job tasks like standing, sitting, lifting, or remembering for at least 12 continuous months. SSA evaluates this using a medical guide called the Blue Book, which lists qualifying impairments.

If your condition isn’t listed, you may still qualify by showing it is as severe as a listed impairment or prevents you from doing any kind of work.

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How Work Credits Impact Your Eligibility

Work credits are the SSA’s way of measuring how long you’ve paid into the system. In 2024, you earn one credit for every $1,730 in wages, up to four per year.

Most SSDI applicants need 40 total credits, 20 of which must be earned in the 10 years before becoming disabled. Younger applicants may qualify with fewer credits. For example, someone under 24 may qualify with just 6 credits earned over 3 years.

During a free consultation, a lawyer from Boesen Law can explain exactly how to apply for Social Security Disability in Colorado and whether your work history qualifies.

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What Medical Evidence Do You Need?

Strong medical documentation is key to getting approved. This includes:

• Detailed physician reports explaining your diagnosis, symptoms, and prognosis.
• Test results and specialist evaluations such as MRIs, X-rays, bloodwork, and psychiatric assessments.
• Treatment records and progress notes showing how your condition affects your daily life and ability to work.

The SSA looks for objective medical evidence that shows your symptoms are well-documented and have been treated by a qualified professional over time. Consistent and up-to-date records demonstrate your condition’s severity and chronic nature. 

Common Reasons People Don’t Qualify

• Too much income: For SSI, exceeding the program’s income or asset limits can disqualify you. The SSA sets strict thresholds, and surpassing them may result in denial of benefits.​
• Not enough work history: SSDI requires a certain number of work credits, earned through taxable employment. If you haven’t worked enough or recently, you may not meet the eligibility criteria for SSDI.​
• Condition isn’t severe enough: If your medical condition doesn’t significantly limit your ability to perform basic work activities, the SSA may determine that you’re not disabled under their guidelines.​
• Insufficient documentation: Inadequate or outdated medical records can hinder your claim. The SSA relies on comprehensive medical evidence to assess your condition’s severity and impact.​
• Short-term conditions: Disabilities expected to last less than 12 months typically don’t qualify. The SSA requires that impairments be long-term or expected to result in death.

What If You’ve Been Denied?

Many people receive an initial denial even if they meet the basic criteria. However, this isn’t the end of the road, as you have the right to appeal. The first step to do so is to file a Request for Reconsideration, followed by a hearing before an Administrative Law Judge (ALJ) if necessary.

During the appeal, you can submit new evidence and explain why the original decision was incorrect. A lawyer can help you appeal a denied SSD claim in Denver and improve your chances of approval.

When to Speak to a Denver SSD Lawyer

If you’re facing a denial or are struggling with your claim, a Denver Social Security Disability lawyer from Boesen Law can:

• Gather strong evidence: We work with your doctors to ensure records clearly explain how your condition limits your ability to work.
• Navigate SSA technical rules: Our attorneys understand deadlines, forms, and procedural steps to avoid unnecessary delays.
• Represent you at hearings: If your case goes to an ALJ, we prepare your testimony and argue your case before the judge.

Get Help Qualifying for SSD Benefits in Denver

If you’re unsure whether you meet SSDI or SSI qualifications, it’s worth talking to a legal professional. Our attorneys at Boesen Law have helped thousands of clients across Colorado understand the system, prepare their applications, and pursue the benefits they deserve.

Plus, there are no legal fees unless we win your case. Contact us for a free consultation.

Call (303) 999-9999 or complete a Free Case Evaluation form