The likelihood of qualifying for SSDI benefits significantly increases with age, reflecting the growing
prevalence of disabling health conditions among older individuals. The probability of receiving SSDI
benefits is more than doubled at age 50 compared to age 40 and more than doubled again at age 60
compared to age 50. This trend underscores the increased risk of disability as people grow older, largely
due to the higher incidence of chronic illnesses and degenerative diseases.
As people age, they become more susceptible to conditions such as stroke and dementia, which are
more common in older adults. Additionally, degenerative diseases like multiple sclerosis and ALS can
progressively impair an individual’s ability to work over time. The physical wear and tear on the body,
particularly for those in physically demanding jobs, can also lead to significant musculoskeletal problems
and injuries. These factors contribute to a heightened need for SSDI benefits as workers age,
highlighting the importance of this program in providing support during later stages of life.