Indiana State Life and Health Insurance Practice Exam

To qualify for Social Security disability benefits, an individual must have been disabled for how long?

1. 3 Months

2. 5 Months

3. 6 Months

4. 12 Months

The correct answer is: 5 Months

To be eligible for Social Security disability benefits, an individual must have a medical condition that results in their disability lasting at least five consecutive months. This five-month waiting period begins from the first full month after the onset of the disability. The purpose of this waiting period is to ensure that the disability is severe and long-term, thus providing assurance that the benefits are allocated to those who truly need support for significant and ongoing incapacitation. This requirement reflects the Social Security Administration's focus on preventing short-term conditions from qualifying for benefits, as many issues may resolve themselves within a few months. The standard establishes a clear threshold that requires a more profound and enduring impact on the individual's ability to work.