What are the SSDI eligibility rules in Colorado?
By Hogan Smith
Updated 05/19/2025
If you live in Colorado and can no longer work due to a serious medical condition, you may qualify for Social Security Disability Insurance (SSDI). Understanding the SSDI eligibility rules in Colorado is the first step toward applying for and receiving the benefits you deserve. Below is a breakdown of the key requirements and how to navigate the SSDI system effectively.
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Basic SSDI Eligibility Criteria
To be eligible for SSDI benefits in Colorado, you must meet two main requirements: a medical requirement and a work history requirement.
1. Medical Requirement
- You must have a medically determinable physical or mental condition that:
- Has lasted or is expected to last at least 12 months, or
- Is expected to result in death.
- Your condition must prevent you from performing substantial gainful activity (SGA)—in other words, you cannot work and earn over a certain monthly income.
- The Social Security Administration (SSA) uses its Listing of Impairments (also called the Blue Book) to assess whether your condition qualifies.
2. Work Credit Requirement
- You must have worked long enough and recently enough in jobs covered by Social Security.
- Most people need about 40 work credits, with 20 earned in the last 10 years, but younger applicants may qualify with fewer credits.
- You earn one credit for every $1,730 in wages or self-employment income (as of 2024), up to four credits per year.
SSA's Five-Step Disability Determination Process
Once you apply, the SSA will evaluate your claim using a five-step process:
- Are you working above the SGA limit? If yes, your claim may be denied.
- Is your condition severe? It must significantly limit your ability to perform basic work activities.
- Does your condition meet or equal a listed impairment? If yes, you may qualify automatically.
- Can you do your past work? If yes, you may not be considered disabled.
- Can you do any other work? If no, you are likely eligible for benefits.
Colorado-Specific Considerations
While SSDI is a federal program, Colorado residents may experience slight procedural differences, such as:
- Disability Determination Services (DDS) is the agency that reviews medical evidence for Colorado residents.
- Local Social Security offices and hearing centers are where in-person services or hearings may occur.
Common Conditions That May Qualify
Many types of disabilities can qualify for SSDI, including:
- Musculoskeletal disorders (e.g., back injuries, arthritis)
- Mental health disorders (e.g., depression, PTSD)
- Neurological conditions (e.g., epilepsy, multiple sclerosis)
- Chronic illnesses (e.g., cancer, heart disease)
Even if your exact condition isn’t listed in the Blue Book, you may still qualify if your symptoms are comparable in severity.
How Hogan Smith Can Help
Qualifying for SSDI can be complex, especially if your initial claim is denied. At Hogan Smith, we can:
- Determine whether you meet the SSA’s eligibility requirements.
- Help you calculate your work credits and assess your qualifying medical conditions.
- Guide you in gathering strong medical evidence for your claim.
- Ensure your application is accurate, complete, and submitted on time.
- Represent you in appeals if your claim is denied.
Contact Hogan Smith Today
Navigating SSDI eligibility rules in Colorado doesn’t have to be overwhelming.
Contact Hogan Smith for a free consultation, and let our experienced team help you understand your options and file your SSDI application with confidence.
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