Medical Assessment As Needed
Some impairments are so severe that they already meet the requirements of the Listings, and further processing and assessment is not needed. Others require the disability evaluation specialist to assess the limitations of the impairment, vocational experience, age, and education to determine if the person is eligible for disability. The case also may be reviewed by a medical or psychological consultant, who is a licensed doctor contracted by our agency.
If necessary, the disability evaluation specialist then contacts relevant medical sources for documentation of the impairments. It also may be necessary to schedule consultative exams for claimants. These exams help determine what functional limitations may result from an individual’s impairment they are not for providing further medical treatment.
When sufficient medical evidence has been gathered, the disability evaluation specialist will use the “Listing of Impairments” as a guide to determine if the individual qualifies for disability benefits.
What If Your Medical Condition Is Not On The List Though
Luckily, the SSA has ruled in favor of individuals without these specific conditions previously. This has set precedent for individuals with varying injuries and disabilities to still qualify for compensation. That being said, you cannot make claims without medical proof of your condition. That includes medical documentation, from SSA-approved doctors. The medical evidence required typically includes:
- Physician examination
- Blood work panels
Benefits For Disabled Widows Or Widowers
If something happens to a worker, benefits may be payable to their widow, widower, or surviving divorced spouse with a disability if the following conditions are met:
- The widow, widower, or surviving divorced spouse is between ages 50 and 60.
- The widow, widower, or surviving divorced spouse has a medical condition that meets the definition of disability for adults and the disability started before or within seven years of the worker’s death.
Widows, widowers, and surviving divorced spouses cannot apply online for survivors benefits. However, if they want to apply for these benefits, they should contact Social Security immediately at 1-800-772-1213 to request an appointment
To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.
We use the same definition of disability for widows and widowers as we do for workers.
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The 1st Way: Getting Approved Through The Impairment List
If you have a physical or mental condition that is in the Social Security list of impairments , you can be approved for disability if your medical records satisfy the listing criteria. There are two things to remember about listing approvals.
1. Most claims do not get approved this way because the approval criteria is very specific. Often, your medical records wont provide the right information.
2. Not all conditions are in the listings. For example, carpal tunnel syndrome, which is common, is not in the listings. Nor is Lyme disease.
If you have a condition that is listed, such as depression or seizure disorder, and you meet the listing requirements, then your case ends there. But what if your case doesnt fit this criteria?
Tips For Getting Retirement Ready
- Relying on Social Security alone may not be the best option when it comes to saving for retirement. As you approach early retirement age, its best to save as much as you can along the way. Our retirement calculator can help you determine how much money you need to retire comfortably.
- Financial advisors can help you manage Social Security benefits, taxes and much more. If youre having trouble finding the right fit, SmartAssets free financial advisor matching calculator pairs you with up to three advisors in your area.
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What Other Requirements Are Beneficiaries Required To Meet
In order to receive Disability Insurance, a worker must have worked during at least one-fourth of his or her adult lifetime and during at least 5 of the 10 years before disability onset. There is also a five-month waiting period before a worker can qualify for benefits.
Supplemental Security provides assistance to people with severe disabilities who have very low incomes and assets and who either lack sufficient work history to be covered for Disability Insurance or receive only a very small Disability Insurance benefit. It is important to note that many Supplemental Security beneficiaries, although lacking the sustained work history necessary to be insured under Disability Insurance, have worked and paid into the Disability Insurance system. And others, particularly women, are not eligible for Disability Insurance because they took time out of the paid labor force to care for children or other family members.
Workers must apply for and exhaust all other available benefits before qualifying for Disability Insurance or Supplemental Security. Accordingly, Social Securitys disability programs serve as a true last resort for people with severe disabilities and little to no ability to work.
Disability Requirements For Social Security Disability Benefits
You must also be considered disabled to be eligible for SSDI benefits. The Social Security Administration determines disability by the following requirements:
- You can no longer perform your former job and
- You cannot perform other work due to your medical condition and
- Your disability has lasted or is expected to last for at least one year, or result in your death.
The SSA maintains a Medically Approved Listing of Impairments. If your medical condition is on the list, you may automatically qualify for benefits. However, if your disability isn’t on the list, this doesn’t mean you’re not entitled to SSDI benefits.
If you don’t qualify for SSDI benefits, you may be eligible for Supplement Security Income benefits . To be approved, you must be disabled and meet strict asset and income rules.
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Do I Qualify For Ssdi And Ssi Social Security Benefits
The Social Security Administration provides two benefits based on disability or blindness: Social Security Disability Insurance and Supplemental Security Income . While they both provide benefits for people who are disabled, SSDI and SSI differ in several ways.
To receive SSI or SSDI benefits, a person must have a disability. Social Security defines disability as: 1) a medically-determined physical or mental impairment which has lasted, or is expected to last, for at least 12 months, or is expected to result in death, and 2) because of this impairment, a person is not able to work in any substantial gainful activity Social Security determines that a person is able to work in SGA, if the employment income the person receives is over a certain amount.
SSDI provides benefits to persons who: 1) are disabled and 2) are insured by the Social Security trust fund. To qualify as insured, a person must have worked for a certain length of time, and while working, paid FICA taxes. Eligibility for SSDI does not depend on a persons current income or resources.
SSI provides benefits to persons who: 1) are aged, blind or disabled and 2) have limited income and resources. A person is considered aged for SSI at the age of 65 years.
In some cases, a child may qualify for SSI. Social Security defines a child as a person who:
1) is either under age 18 or under age 22 and regularly attends school, and
2) is not married or head of a household
Listing 800 Skin Disorders
There are many different types of skin disorders that we hear about on a daily basis, but just because a skin disorder is inconvenient, that doesnt mean that it will necessarily qualify to receive SSD benefits. To qualify for benefits, the skin disorder must be disabling and prevent you from performing the duties of your work. Some of he most common skin disorders that may qualify to receive benefits are Bullous Disease, Chronic Skin Infections, and Ichthyosis. View full Blue Book List here
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Health Coverage For People With Disabilities
If you have a disability, you have three options for health coverage through the government.
Medicaid provides free or low-cost medical benefits to people with disabilities. Learn about eligibility and how to apply.
Medicare provides medical health insurance to people under 65 with certain disabilities and any age with end-stage renal disease . Learn about eligibility, how to apply and coverage.
Affordable Care Act Marketplace offers options to people who have a disability, dont qualify for disability benefits, and need health coverage. Learn about the .
What Are The Types Of Lupus And Who Is At Risk
Doctors classify lupus into four types:
- Cutaneous lupus, which primarily affects the skin.
- Drug-induced lupus, which can be caused by some prescription medications.
- Neonatal lupus, which infants whose mothers have lupus.
- Systemic lupus erythematosus, which is the most commonly diagnosed type of the disease.
Although it can affect anyone, research has shown that women between 15 and 44 are at higher risk of being diagnosed with lupus. Other high-risk groups include certain ethnic or racial groups and people with relatives who suffer from either lupus or some other autoimmune disease.
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Want To Know How Much Ssdi Pays Here’s How Social Security Calculates Your Ssdi Benefits
By Melissa Linebaugh, Contributing Author
How much your SSDI benefit will be is based on your “covered earnings”the wages that you paid Social Security taxes onprior to becoming disabled.
What is SSDI? Social Security Disability Insurance is the federal insurance program that provides benefits to qualified workers who can no longer work. To be eligible, you must be insured under the program and you must meet the Social Security Administration’s definition of disabled. SSI payments, on the other hand, aren’t based on past earnings.
Your SSDI benefits may be reduced if you get disability payments from other sources, such as workers’ comp, but regular income won’t affect your SSDI payment amount.
Qualifying For Ssi And Ssdi
The Social Security Administration operates two disability programs including Supplemental Security Income and Social Security Disability Insurance . Each of these programs has its own criteria that an applicant must meet in order to qualify.
To qualify for SSDI benefits, an applicant must have earned enough work credits through prior work history. As of 2014, for every $1,200 earned, a worker earns one work credits and can earn a total of four work credits each year. The number of credits needed to qualify for SSDI benefits will vary depending on your age.
Unlike SSDI benefits, an applicant does not need any work history or work credits to qualify for SSI benefits. Instead, SSI is a needs-based program. Benefit eligibility is based on household income and assets. As of 2014, an individual cannot have a household income of more than $721 per month as an individual or $1,082 per month as a couple or household assets exceeding $2,000 as an individual or $3,000 for a couple in order to qualify for SSI benefits.
For both SSDI and SSI benefits, an individual must meet the medical criteria set forth by the SSA to qualify.
For more information on the disability programs visit:
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How Do I Check The Status Of My Social Security Disability Claim
How Do I Check the Status of My Social Security Disability Claim?
Once you apply for Social Security Disability benefits, you likely want to have your application approved as soon as possible. However, the application process takes time, and waiting can be difficult. Nonetheless, you can check on the status of your Social Security disability benefits directly through the Social Security Administration .
Disability Application Starter Kit
To assist you in creating your application, Social Security has developed a Disability Starter Kit that provides information about the documents and information that you will be requested to provide. Because an application can be complicated and lengthy, this is a good place to start and to keep you organized. The kit also explains how Social Securitys disability programs work and what decision-making processes are used to determine your eligibility.
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Disability Benefits For Veterans
You may be eligible for disability benefits if you’re on disability from your service in the Canadian Armed Forces or Merchant Navy.
You may get social assistance payments from:
- your province or territory
- your First Nation
These payments will depend on your household income, savings and investments.
You may also be eligible for health-related benefits from your province or territory. These benefits may include benefits that help cover the cost of:
- medical aids or devices
Listing Of Impairments For Social Security Disability Benefits
So, what qualifies for disability? The Social Security Administration maintains a list of impairments that are essentially considered automatically disabling. The list is also sometimes called the Blue Book. The book also describes the tests and symptoms that a person must exhibit to meet the requirement for a specific impairment. Here is the complete list of impairments from the Blue Book that are SSDI and SSI disability qualifications for adults.
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My Condition Is Not Listed In The Blue Book Can I Still Receive Ssdi Benefits
While the Blue Book is a fairly comprehensive guide, by no means does it contain every ailment or disability that could keep a person from working. If you have a condition not listed in the Blue Book , you can still apply for SSDI. The main thing to remember is that you will need to provide substantial proof that your condition has rendered you unable to work.
Expedited Ssdi Application Process
To expedite new disability claims, the following initiatives have been created:
Social Security makes allowances for people to receive benefits quickly if they suffer from medical conditions that are so obvious that they easily meet disability standards.
Compassionate Allowances quickly identify diseases and medical conditions that fall under the Blue Book of Impairments with minimal medical information. This allows Social Security to speed up the process of helping people obtain benefits in the shortest amount of time possible.
The list of Compassionate Allowances has been developed based on public hearing held by Social Security, along with input from medical and scientific experts and the National Institutes of Health. Currently allowances include disabilities such as Alzheimers disease, cardiovascular disease, organ transplants, schizophrenia, and others.
A full list of Compassionate Allowances can be found here.
Quick Disability Determinations:
Sophisticated computer screening is used here to identify cases that have a high probability of allowance.
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Who Is Eligible For Di Benefits
The Social Security test of disability is very strict. To be eligible for disability benefits, the Social Security law says that the applicant must be unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or is expected to last for a continuous period of at least 12 months. Furthermore, the impairment or combination of impairments must be of such severity that the applicant is not only unable to do his or her previous work but cannot, considering his or her age, education, and work experience, engage in any other kind of substantial gainful work which exists in the national economy ).
A person is considered to be involved in substantial gainful activity if he or she earns more than a certain amount. If a non-blind individual earns more than $1,170 a month in 2017, he or she would not be eligible for disabled worker benefits. The amount is adjusted each year to keep up with average wages. The substantial gainful activity level for blind individuals in 2017 is $1,950 a month.
State agencies, operating under federal guidelines, make the medical and vocational determinations for the Social Security Administration about whether applicants meet the test of disability in the law. Medical records, work history, and the applicant’s age and education are considered in making the determination.
Special Rules For People Who Are Blind Or Have Low Vision
We consider you to be legally blind under Social Security rules if your vision cannot be corrected to better than 20/200 in your better eye or if your visual field is 20 degrees or less, even with a corrective lens. Many people who meet the legal definition of blindness still have some sight and may be able to read large print and get around without a cane or a guide dog.
If you do not meet the legal definition of blindness, you may still qualify for disability benefits if your vision problems alone or combined with other health problems prevent you from working.
There are a number of special rules for people who are blind that recognize the severe impact of blindness on a person’s ability to work. For example, the monthly earnings limit for people who are blind is generally higher than the limit that applies to non-blind disabled workers.
In 2021, the monthly earnings limit is $2,190.
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Does A Medical Condition Have To Match The Listing
An applicant filing for Social Security disability benefits doesn’t necessarily have to satisfy the exact listing requirements for a particular illness or condition to be awarded disability benefits based on the condition. You can be awarded disability benefits if Social Security considers aspects of your condition medically equivalent to the criteria in the listing or a related listing. This is called “equaling a disability listing.”
Alternatively, you can be eligible for disability benefits if you don’t meet or equal the criteria for the medical listing, if your condition limits your functioning so much that you can’t work. Social Security will consider the effect of your condition on your capacity to perform routine daily activities and work and will then determine whether there is any kind of job you can safely be expected to do. This is called qualifying “vocationally” for disability benefits. For more information, see our section on how Social Security decides if your limitations make you disabled.