How Do I Know if I am Eligible to Apply?

Robin Mead

Social Security has two different disability programs. They are called SSI and SSDI. Most people are eligible for at least one of these programs.

If someone has told you that you are not eligible, look here: Eighteen Ways You Can Qualify for Social Security Even When You Think You Can’t

If you are not sure if you are eligible, and you don’t want to read this page, just go ahead and apply. Social Security will tell you which program you are eligible for.

If you want to read this page, you may.

Can I apply?

Many people get strange ideas in their head about what is required to apply for Social Security. Sometimes these strange ideas come from lawyers, Social Workers or someone who works at Social Security! Forget everything you have been told, here is what you need to apply:

🌟 One: Severe Condition

You must have a severe condition. You do not need to be in a wheelchair or bedridden. but your condition needs to be bad enough that you would be unable to work full time.

🌟 Two: Twelve Months Expected

Your condition must be expected to last at least twelve months. If you have been sick for less than twelve months, you can still apply right now if you and your doctor think that you will likely still be sick when the twelve month point hits

🌟 Three: No Work or Little Work

You need to be not working right now, or you can be working but earning under $1,170 per month. Some disability lawyers report that working makes it harder to get approved, but it is still possible. If you are working, please also check with your employer to see if they offer private disability benefits you can apply for.

🌟 Four: Medical Records

Realistically, in order to have a chance to be approved, you need some kind of medical records and medical evidence. That does not mean you need to have your diagnosis totally figured out. Some people are able to get approved even if they have conflicting diagnoses, or no clear diagnosis, or if the doctors are not able to figure out what is causing all their symptoms. For conditions like Lyme, MCS, and toxic mold, many people are approved based on medical evidence for some of their symptoms, rather than the underlying condition.

🌟 Five: One of These Things

You must have one of these: A) You are poor enough or B) You worked enough. You don’t need both. Just one. How poor is poor enough? How much work is enough work? See more details on A and B here: Do I Qualify for SSI? SSDI? Both? Neither?

🌟 Six: ?

There is no six. If someone is telling you that something else is required, they are confused.

Now What?

If you are disabled from illness and you are eligible for anything at all, you can go ahead and start your application.

Please don’t wait and don’t get bogged down trying to learn about complex eligibility policies and regulations. Some people get so caught up in all this other crap, they give up and never even apply!

Social Security disability has a time limit. If you wait too long you may have less options or no options. If you are too sick to continue working and you have decided that disability is the right path for you… start your application now. You can figure out the other stuff later.


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