Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two federally funded programs that provide financial assistance to individuals with disabilities. These programs have strict eligibility criteria, one of which is having a medical condition that qualifies as a disability under the Social Security Administration’s definition.
In this article, we will explore the types of medical conditions that are covered by Social Security Disability and those that are not. We will also discuss the process of applying for disability benefits and how medical evidence plays a crucial role in determining eligibility.
Whether you are considering applying for disability benefits or simply curious about what conditions are covered, this article will provide valuable information to help you better understand Social Security Disability coverage.
What Is Considered a Disability?
According to the Social Security Administration (SSA), a disability is a physical or mental impairment that prevents an individual from engaging in substantial gainful activity (SGA). In simpler terms, this means that the condition must be severe enough to significantly limit a person’s ability to work and earn a living.
The SSA has a strict definition of what qualifies as a disability. The condition must be expected to last for at least 12 months or result in death, and it must prevent the individual from performing any type of work, not just their current job.
Additionally, the SSA requires that the condition must be medically determinable, meaning there is sufficient evidence to support its existence and severity. This can include medical records, test results, and statements from treating physicians.
It’s also important to note that the SSA does not provide benefits for partial or short-term disabilities. The individual must have a condition that is expected to last at least a year or result in death to be eligible for disability benefits.
Does Social Security Disability Cover All Medical Conditions?
The short answer is no, Social Security Disability does not cover all medical conditions. The SSA has a specific list of medical conditions that are considered disabling and automatically qualify for disability benefits under the Compassionate Allowances program.
However, just because a condition is not listed on the SSA’s list does not mean it cannot be considered a disability. In fact, many individuals with unlisted conditions are still able to receive benefits by proving their condition meets the criteria for a disability.
In general, any medical condition that significantly impacts an individual’s ability to work and earn a living can potentially be considered a disability. This includes physical impairments such as chronic illnesses, injuries, and disabilities, as well as mental health conditions like depression, anxiety, and schizophrenia.
Ultimately, the SSA will evaluate each case individually and consider the severity of the condition and its impact on an individual’s ability to work when determining eligibility for disability benefits. Therefore, it is important to provide thorough medical evidence supporting your claim for disability benefits.
Eligibility Of Medical Conditions: What Evidence Is Required?
As mentioned earlier, medical evidence plays a crucial role in determining eligibility for disability benefits. When applying for SSDI or SSI, you will need to provide detailed information about your medical condition and how it affects your ability to work.
This can include medical records from doctors, hospitals, and clinics, as well as test results such as x-rays or MRI scans. It is also helpful to have statements from treating physicians that describe the severity of your condition and how it limits your daily activities.
In some cases, the SSA may require you to undergo a consultative examination with a doctor of their choosing to further evaluate your condition. These exams are at no cost to you, and the results will be considered in your disability claim.
It is important to provide as much relevant medical evidence as possible when applying for disability benefits. This can significantly increase your chances of being approved and receiving the financial assistance you need.
Benefits Of Applying For Social Security Disability Benefits
There are many benefits to applying for Social Security Disability benefits. First and foremost, it provides financial assistance to individuals who are unable to work due to a disability. This can help cover living expenses, medical bills, and other necessary costs.
In addition, being approved for disability benefits often comes with access to healthcare coverage through Medicare or Medicaid. This can be especially beneficial for individuals with chronic illnesses or disabilities that require ongoing medical treatment.
Receiving disability benefits can also provide a sense of security and stability for individuals who are no longer able to work. It can alleviate financial stress and allow them to focus on managing their condition and improving their overall quality of life.
Lastly, being approved for disability benefits can also open up opportunities for vocational rehabilitation and training programs. These can help individuals with disabilities find new ways to work or engage in activities that are manageable with their condition.
How Much Can You Receive In Social Security Disability Benefits?
The amount of disability benefits an individual receives through Social Security is based on their average lifetime earnings before they became disabled. The SSA uses a complex formula to calculate the benefit amount, taking into account the individual’s age and number of years worked.
On average, most individuals can expect to receive between $800-1,800 per month in disability benefits. However, some individuals with higher lifetime earnings may receive more.
Additionally, there are programs within Social Security that provide supplemental income for those who have limited resources and income due to a disability. These include Supplemental Security Income (SSI) and the Special Veterans Benefit program.
It’s important to note that disability benefits are not meant to replace a person’s entire income, but rather provide financial support while they are unable to work. The SSA also has strict guidelines for individuals who receive disability benefits and engage in part-time or limited work activities.
Why A Professional SSDI Attorneys’ Help Is Crucial
The process of applying for Social Security Disability benefits can be complex and overwhelming, especially for individuals who are already facing challenges due to a disability. This is why it is beneficial to seek the help of a professional SSDI attorney.
An experienced attorney can guide you through the entire process, from gathering necessary medical evidence and filling out paperwork to representing you at hearings and appeals if necessary. They understand the intricate rules and regulations of the SSA and can ensure that your claim is properly presented to increase your chances of being approved.
Moreover, an attorney can also handle communication with the SSA on your behalf, alleviating any additional stress or burden on you during this difficult time. They are well-versed in disability law and can provide sound legal advice and support throughout the entire process.
In addition, many SSDI attorneys work on a contingency fee basis, meaning they only get paid if you are approved for benefits. This makes it more affordable for individuals who may already be facing financial difficulties due to their disability.
Choose Greeman Toomey PLLC For Your Social Security Disability Needs
Greeman Toomey PLLC is a highly experienced and expert law firm located in Minneapolis, Minnesota that focuses exclusively on Social Security disability law.
With over 75 years of combined experience, the attorneys at Greeman Toomey have assisted over 90,000 clients in obtaining their entitled benefits.
Our Social Security disability lawyers provide vigorous representation and clear communication, working on a contingency fee basis with no upfront fees or costs. We also offer free initial consultations to help you understand the benefits available to you.
If you have been denied Social Security disability benefits, our team of attorneys can guide you through the complicated application process and represent you in administrative hearings. Our goal is to maximize your benefits and ensure that your rights are protected.
Contact us today at (612) 332-3252 or toll-free at (877) 332-3252 to schedule a free consultation with one of our attorneys. Don’t delay, as there is a limited time for taking the next steps after being denied benefits.
FAQs
Does Social Security Disability cover all medical conditions?
Social Security Disability covers medical conditions that meet specific criteria outlined by Social Security’s disability evaluation. Not all conditions qualify; the condition must cause severe functional limitations that prevent the individual from working for a certain period.
What medical conditions are commonly covered under Social Security’s disability evaluation?
Medical conditions such as amyotrophic lateral sclerosis (ALS), severe functional limitations, and other impairments that significantly affect daily functioning are commonly covered under Social Security’s disability evaluation. The evaluation considers whether the condition prevents both adults and children from performing substantial gainful activity.
Can children qualify for Social Security Disability if they have severe functional limitations?
Yes, children with severe functional limitations can qualify for Social Security Disability if their condition meets the criteria outlined in the disability evaluation under Social Security. The evaluation process considers how the condition affects the child’s ability to perform age-appropriate activities.
Does Social Security Disability provide benefits for limited income adults with severe conditions?
Yes, Social Security Disability provides benefits for limited income adults who have severe medical conditions that meet the requirements of the disability evaluation. These benefits are intended to support individuals who are unable to work due to significant health impairments.
