Your heart is the most important muscle in your body. Each day, the average heart beats 100,000 times and pumps 2,000 gallons of blood through almost 100,000 miles of blood vessels, bringing oxygen to your brain and other vital organs. When your heart isn't beating as it should, it can cause symptoms in other parts of your body that can affect your ability to function. If these symptoms are severe enough, they might keep you from working a full-time job.
The typical heart rate for an adult at rest (not engaged in strenuous physical activity) is between 60 and 100 beats per minute. If your resting heart rate is fewer than 60 beats per minute, you have a condition known as bradycardia (brad-e-KAHR-dee-uh). If your resting heart rate is faster than 100 beats per minute, you have a condition known as tachycardia (tak-ih-KAHR-dee-uh).
The heart is a muscle, and like any muscle, it relies on electrical signals produced by the nervous system that make it react in certain ways. The part of your heart that produces these electrical signals is called the "sinus node." Electrical signals from the sinus node tell the heart to contract, which starts a heartbeat. Bradycardia happens when the electrical signals that tell the heart to beat are slowed down or blocked. Tachycardia happens when the electrical signals that tell the heart to beat are firing too quickly.
Sometimes, it's normal to have a slow or fast heartbeat. For example, if you're in deep sleep or very relaxed, your heart rate can go below 60 beats per minute. Likewise, if you're exercising or stressed out, your heart rate can go above 100 beats per minute. Such situations don't normally require medical attention. But if you're experiencing symptoms of bradycardia or tachycardia while doing routine daily activities like reading, watching TV, or cooking dinner, you'll want to tell your doctor. Symptoms of bradycardia and tachycardia can be very similar, including:
Bradycardia and tachycardia don't necessarily cause symptoms or complications, but they can become serious if it means that your heart is having difficulty pumping blood, since blood carries oxygen to your brain and other organs. If you're having severe fatigue, you're fainting, or you tire easily, you may qualify for Social Security disability benefits.
Your doctor will want to figure out the underlying cause of your slow or fast heartbeat in order to determine the right treatment for you. This will likely include a physical examination and possibly heart imaging such as an echocardiogram (ECG), stress test, or coronary angiogram. Doctors can further categorize bradycardia and tachycardia based on the exact nature of the irregularity. Your medical treatment will depend on your specific diagnosis.
Just as bradycardia and tachycardia can have similar symptoms, they can also have similar causes. For example, having an imbalance of chemicals in the blood, such as potassium, calcium, or sodium, can cause either a slower-than-normal or faster-than-normal heartbeat. Additionally, a thyroid disorder, lung disease, or a previous heart infection can result in a slower or faster-than-normal heartbeat.
Bradycardia can also be a result of a heart disorder you've had since birth (congenital defect), a result of having trouble breathing while you're asleep (sleep apnea), or as a side effect of medication you're taking. Tachycardia can also be a result of high blood pressure, chronic emotional stress or anxiety, or lifestyle factors such as drinking or smoking.
The Social Security Administration (SSA) can find you disabled "medically" or "vocationally." Medical disability means that your doctor's records include symptoms or test results that the agency has already determined are enough to find you disabled under its "listing of impairments." If you're approved through a "vocational allowance," that means the SSA has found that your particular limitations make it impossible to do any job.
To have your best chance at qualifying for disability benefits, it's important that you've visited the doctor and you're able to provide your medical records. Social Security will expect to see at least one of the following in your medical record:
If these tests and procedures show that your heart is functioning very poorly, you may be able to qualify for disability medically. But even if these tests don't prove that you're disabled under a listed impairment, having them can be very useful for finding that you're disabled "vocationally"—meaning you're unable to work at any job.
It's not easy to meet the requirements of one of Social Security's medical listings. Having test results that support a diagnosis of bradycardia or tachycardia is generally not enough for the SSA to find you disabled under a listing. But if your medical record contains additional documentation showing that your heart is functioning exceptionally poorly, you may qualify for disability under one of Social Security's listed cardiovascular disorders. Here are some examples:
Bradycardia and tachycardia can affect every person differently. You may have moderate symptoms that you're able to manage with diet and medication. Or you may experience symptoms that are more difficult to manage and affect your ability to work. If Social Security finds there are no jobs available (anywhere in the country) that you can do with your limitations, the agency can find you disabled "vocationally."
To figure out if you can work any jobs, the SSA will be interested in the ways that your symptoms interfere with your activities of daily living. The agency asks about your daily routine because it makes sense that something you have difficulty doing at home would be something you would struggle with at work. For example, if you feel shortness of breath after walking to the mailbox and back, it makes sense that you'd struggle to do a job where you'd have to walk around all day. Or if you forget things on your grocery list because you have difficulty with your memory, you probably wouldn't do well at a job where you had to keep track of inventory.
Social Security doesn't expect you to do a job that's beyond your capabilities, mentally or physically. The agency's term for figuring out what you can and can't do in a work setting is called "assessing your residual functional capacity (RFC)". Your RFC is a list of the most intensive work you can do despite your limitations. For instance, if you have severe bradycardia, your RFC might say that you can't drive, that you can walk no more than two hours a day, and you need to take a break once an hour.
To prove there are no jobs within your capabilities, you must first show that your current RFC prevents you from returning to any of the jobs you have performed in the past. Then—depending on your age, education, and skills—you'll likely have to show that there are no other jobs that are less demanding, physically or mentally, that you could do. For more information, see our article on how to get approved for disability benefits vocationally.
Veterans who have service-connected bradycardia or tachycardia may qualify for disability compensation from the VA. Unlike Social Security where you're either disabled or you aren't, the VA uses a percentage ratings system to help determine how much you'll receive in disability benefits.
For symptomatic sinus bradycardia, you can get a 100% disability rating from the VA for one month following the implantation of a permanent pacemaker. (Asymptomatic bradycardia isn't considered a disability for VA compensation purposes.) Veterans with supraventricular tachycardia can get a 30% disability rating if the tachycardia is confirmed by ECG and requires five or more treatment interventions per year, or 10% if the tachycardia requires less than five interventions per year.
If you're a veteran awarded service-connected disability compensation for sinus bradycardia or tachycardia, the monthly amount you'll receive will depend on your percentage rating and your living situation. For example, in 2025, a single veteran with a 10% disability rating for supraventricular tachycardia will receive $175.51 every month from the VA, while a veteran who is married with one child and has a 30% rating will receive $648.42 monthly. You can calculate your estimated monthly benefit using the current VA disability compensation rates tables.
Social Security doesn't pay benefits according to a disability rating or based on what medical condition you have. Instead, your monthly benefit will depend on whether you qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). SSDI is calculated based on the work credits you've earned, while SSI is available to people with limited income and assets. For 2025, the maximum monthly amount you can receive in SSDI is $4,018, although the average amount is much less, at $1,580. SSI benefits are $967 per month minus any earned income you have for that month.
An easy way to start your disability application is to file online. You don't have to finish the application all at once—just make sure that you keep track of the application number given to you when you start the application so you can access it again if you need to come back to it. You can also apply for disability benefits by phone by calling 800-772-1213 (TTY 800-325-0778) from 8 a.m. to 7 p.m. Monday through Friday, or file in person at your local Social Security field office. You can learn more about each method in our article on applying for disability benefits.
Veterans can apply for benefits by submitting VA Form 21-526, Application for Disability Compensation and Related Compensation Benefits. The VA encourages veterans to submit this form electronically, but you can also print it out and bring it with you to your regional VA field office. Learn more about how to apply in our article on filing for veterans' disability benefits.
You aren't required to hire an attorney to begin your application for SSDI, SSI, or VA disability benefits, but it can be a smart choice, especially if you've already been denied once and need to appeal. An experienced lawyer can help you navigate the often convoluted bureaucracies involved in making disability determinations, gather needed medical evidence, and represent you in front of a disability judge or VA tribunal (if necessary).
Need a lawyer? Start here.