The Most Common Questions About Social Security Disability Insurance
Social Security disability insurance can be incredibly complicated to figure out unless you have an extensive background in the legal industry, so it comes as no surprise that most Americans have trouble understanding what Social Security benefits actually entail.
With that in mind, let’s go over some of the most common questions that people have about the Social Security disability program:
What medical conditions qualify as “disabilities” according to the Social Security Administration (SSA)?
There are several different medical conditions that can qualify for benefits under SSA regulations, but just for starters, the list includes conditions such as:
- Autoimmune disorders (Lupus, Multiple Sclerosis (MS), Rheumatoid Arthritis)
- Cardiovascular System disorders (Coronary Artery Disease, high blood pressure)
- Cognitive and Psychiatric disorders (ADHD, Bipolar Disorder, substance abuse addictions, Depression, Schizophrenia)
- Digestive System disorders (Crohn’s Disease, Liver Disease, Hepatitis, Gout)
- Endocrine System disorders (Diabetes, obesity)
- Musculoskeletal Impairments (Arthritis, Fibromyalgia, Carpal Tunnel Syndrome)
- Certain types of cancers
- Sensory loss (vision loss, hearing loss)
There are plenty of additional conditions which may be covered as well, so it’s important to research your own medical conditions to find out if they could be covered under Social Security disability insurance. In general, you might be considered “disabled” by the SSA if your condition is severe enough that it prohibits you from working for at least 12 months or longer.
How can you prove that you are disabled and deserve to receive benefits?
First, you will have to submit an application to your Social Security field office, where your financial eligibility will be assessed. If the office can prove that you aren’t working enough to support yourself (and if this is because of your disability), your application will be forwarded to the state agency, Disability Determination Services (DDS). At this point, the DDS will decide if your condition is severe enough to deserve benefits.
Is it difficult to get approved for Social Security disability benefits?
The process is unfortunately very frustrating for most people, and even though around 64.2 million people received benefits in 2014 and this included over 5 million new applicants, it’s estimated that around 70% of all initial applications are denied. This is why it’s so important for applicants to work with a professional Social Security lawyer, in order to maximize the chances of being approved.
Are there any ways to maximize your chances of getting approved?
As stated in the point above, Social Security attorneys will be able to guide you through the process and ensure that you don’t make any mistakes in your application (which will help out a lot). Age is also a factor in the decision, and 53.7 is average age of Social Security disability recipients.
Social Security disability insurance can certainly be confusing at times, but for millions of Americans today, it’s also one of the most valuable programs available.