(TheDailyCurrents.com) – Applying for SSDI is often touted as an easy process and people are often told they will surely qualify for benefits. However, the SSDI process is frequently complicated, and many people are left feeling overwhelmed, confused, and disappointed when they apply and are denied benefits.
Going in with realistic expectations and understanding the requirements makes a big difference. In some cases, applicants find they must appeal their initial denial, so being prepared for this is helpful.
What Is The List Of Impairments and How Do I Know If I Qualify?
Qualifying for SSDI involves meeting certain requirements. The Social Security Administration has a list of impairments that qualify for benefits, but there are guidelines within the list that must be met. For example, the impairment must be so severe that it interferes with the ability to maintain employment.
Within the listings are impairments that are considered permanent and often terminal. Other listings can be temporary, but they must meet the criteria. The applicant must be able to prove that the impairment has lasted 12 or more months, or is expected to last for at least 12 months.
Impairments are categorized by each major body part or system and are separated into two lists. List A applies to adults aged 18 and over and to children under 18 in some cases. List B is specifically for children under the age of 18.
Some examples of the impairment categories include the musculoskeletal disorders cardiovascular system, special senses and speech, respiratory disorders, neurological disorders, skin disorders, mental disorders, and so on. These lists are quite comprehensive and cover a wide variety of chronic, permanent, temporary, and terminal conditions.
What Is The Definition Of Disability?
According to Social Security Administration guidelines, a disability is defined as “the inability to engage in any substantial gainful activity (SGA) by reason of any medically determinable physical or mental impairment(s) which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.”
How Does Social Security Determine Eligibility?
To be eligible for benefits, you must meet stringent requirements. This requires the applicant to show that you have a “medically determinable impairment.”
You can read about this on the SSD website, but it boils down to this. You can’t just walk into the social security office and state that you have a disability, even if it is obvious that you do. For example, if you have a mobility issue, you still have to furnish medical evidence that this is the case. They won’t take your word for it.
This means there must be documentation from medical professionals that state you have the impairment, that it is permanent or lasting for at least 12 months, and that it limits your ability to engage in substantial gainful activity.
This is where things can get difficult. In many cases, applicants are denied even after providing what appears to be clear and straightforward evidence that backs up their claims. This is where the appeals process comes in, and for some recipients, it takes more than one appeal before they finally get approval.
How Can You Be Sure You’ll Get Approved?
There are no guarantees, but you can improve your chances of approval by doing things by the book. Fill out any applications thoroughly. Always furnish requested documentation. Be diligent when it comes to all your medical paperwork and documents. Follow all medical instructions to the letter, and always go to your appointments and follow your treatment plan. Do not engage in activities that your medical provider advises against. Show up for all appointments and follow through with all application processes. This means meeting deadlines and following instructions. Always keep records of your interactions with medical and social security personnel, and be ready to appeal if you get denied.
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