PSI Ohio Insurance Practice Exam

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How can an individual qualify for Social Security Disability Insurance?

By showing financial need
Through previous work credits and disability status
By being over the age of 65
Through the purchase of a private policy

The correct answer is: Through previous work credits and disability status

An individual qualifies for Social Security Disability Insurance (SSDI) through previous work credits and proving a qualifying disability status. SSDI is designed for individuals who have previously worked in jobs covered by Social Security and have earned enough work credits, which are based on how long and how much they have worked. To qualify, an applicant must demonstrate that they have a medical condition that meets the Social Security Administration's definition of disability, which generally means that the condition significantly impairs their ability to perform basic work activities and is expected to last at least 12 months or result in death. The other options highlight important concepts but do not align with the requirements for SSDI. Financial need is not a criterion for SSDI, as it is an insurance program based on prior work. Simply being over the age of 65 does not qualify someone for SSDI, as this program is specifically designed for individuals who are disabled and unable to work, regardless of age. Lastly, purchasing a private disability policy is a separate matter and does not relate to the SSDI qualification process.