Maryland Life and Health Insurance License Practice Exam

How long must an individual be unable to engage in gainful activity to qualify for Social Security Total Disability?

1. 6 months

2. 9 months

3. 12 months

4. 15 months

The correct answer is: 12 months

To qualify for Social Security Total Disability, an individual must demonstrate that they are unable to engage in any substantial gainful activity due to a medically determinable physical or mental impairment that is expected to last at least 12 months. This requirement emphasizes the Social Security Administration's intent to provide benefits only to those whose disabilities are significant and likely to have a longer-term impact on their ability to work. The 12-month timeframe acts as a safeguard, ensuring that benefits are directed towards individuals facing serious long-term health challenges, rather than temporary or short-term conditions that may improve in less than a year. This criterion is critical in assessing the severity and permanence of a disability, aligning with the socially supportive purpose of the solution rather than providing a stopgap for minor or transitory issues related to work capabilities.