Massachusetts Health & Accident Insurance Practice Exam

Which of the following is a requirement for receiving Social Security Disability Income?

1. Must be unemployed

2. Must be fully insured

3. Must have a high school diploma

4. Must have dependent children

The correct answer is: Must be fully insured

To qualify for Social Security Disability Income (SSDI), one of the fundamental requirements is that the individual must be fully insured. This means that the person has worked a certain number of years and paid Social Security taxes, which earns them the necessary number of work credits. The number of credits required generally depends on the age of the applicant at the time they become disabled. Being "fully insured" ensures that the individual has contributed sufficiently to the Social Security system to receive benefits. The other options do not align with the criteria for SSDI. Unemployment is not a requirement, as individuals can still be employed in limited capacities and qualify for benefits. Additionally, there is no educational requirement such as a high school diploma to receive SSDI. Lastly, having dependent children does not affect eligibility for Social Security Disability Income; the assessment is primarily focused on the individual’s work history and disability status.