Massachusetts Health & Accident Insurance Practice Exam

How long must an impairment last for an individual to qualify for Social Security Disability Income?

1. 6 months

2. 12 months

3. 18 months

4. 24 months

The correct answer is: 12 months

To qualify for Social Security Disability Income (SSDI), an individual must have a medical condition that significantly impairs their ability to perform basic work activities. The Social Security Administration (SSA) requires that the impairment must last for at least 12 consecutive months, or is expected to last that long, to be considered a disability. This timeframe ensures that only significant and long-term disabilities qualify for benefits, as SSDI is designed to support individuals who have substantial and enduring limitations. This 12-month duration is a critical threshold that reflects the SSA's focus on providing assistance to individuals facing serious, lasting health challenges that affect their ability to sustain gainful employment. While the other options might suggest different durations, they do not align with the specific criteria established by the SSA for disability qualification. Thus, the 12-month requirement is essential for ensuring the program provides support where it is most necessary, targeting individuals with enduring conditions that inhibit their ability to work.