The Social Security Disability Process Visualized: From Application to Award
How many disability claims are filed with Social Security? How many win benefits? How's it work?
Basics of a Social Security Disability Claim
If you are unable to work as a result of a condition or impairment, you may be able to qualify for benefits through the social security administration.
Disability Programs Available
Two programs are available that allow individuals to qualify on the basis of disability:
- Supplemental Security Income (SSI) is for those whose income and resources are below a set level and who also have some other criteria that allows them to qualify, like a disability or advanced age
- Social Security Disability Insurance (SSDI) is for those who have acquired a sufficient amount of work hours based on their age at the time of becoming disabled and are no longer able to sustain employment.
To qualify for either program, there is a similar process you must go through.
Qualifying for Disability Benefits
The first step in the process of getting disability benefits is making sure you qualify for those benefits. There are many different criteria looked at by the SSA. Some of the factors that may be considered include the following:
Whether you are capable of substantial gainful activity. This refers to whether you are working and earning an income. The amount you may earn changes yearly, but as of 2012, if you are making an income of more than $1,010 per month, you can be considered to be engaged in substantial gainful activity.
Whether you have a disability that is expected to last for 12 months, that already has lasted that long, or that is terminal.
Whether your disability is listed in the SSA "blue book" listing of impairments and you meet the specific symptoms that must accompany that particular disability or whether your condition is medically equivalent to the disabilities listed.
Whether your disability interferes with your ability to perform routine activities of daily living (ADL) like showering, bathing, dressing or otherwise caring for yourself.
Whether your disability interferes with your ability to work at the job you have now, a job you have had in the past, or a job to which your vocational skills may be able to be transferred.
All of these factors can play a role in whether you qualify for benefits. The basic aim is to make sure that only those who really do suffer from a significant impairment, and only those who cannot earn a living because of it, are able to get SSA benefits.
Applying For Benefits
Assuming you meet the qualification requirements and you indeed do have a severe enough disability, the next step in the process is to actually fill out an application for benefits. You may obtain applications from your local social security office, or by visiting the disability section of the Social Security Administration website.
Learn more about Filing for Social Security Disability Benefits.
Work History & Medical Evidence
You will be asked to provide information about your personal history, medical history and work history. You will need to sign a release allowing the SSA to get your medical records, and you will need to show why your disability qualifies you for benefits. Applications should be signed and then mailed in or delivered in person.
Your initial application will be checked to ensure that all required elements are there and that you meet basic qualifying criteria. Your claim will then normally be assigned to a special disability claims reviewer/examiner, who will look at all of your medical documentation.
Some Cases Require Additional Information or a Medical Examination
There may be additional things asked of you at this point, such as a request to come in for an interview or to have a consultative examination where a doctor working for the SSA will conduct additional testing or interviews. The process of having a claim evaluated initially can take anywhere from three months to five months on average, but it may sometimes take much longer. Appeals, if your initial claim is denied, will add significant time to the process.
Getting Help with Your Disability Case
If you wish to apply for social security benefits as a result of suffering from an impairment or disability, or if you've been denied benefits, it is in your best interests to get a lawyer's help in doing so. A lawyer can explain to you exactly what requirements you have to meet and can assist you in all the steps of convincing the SSA that you are deserving of benefits.