Category: Social Security Disability

Thanksgiving is a time to gather with loved ones and reflect on what we’re grateful for, but we know it can also be a stressful time for those facing disabilities, especially when finances or physical limitations make it hard to celebrate in traditional ways. At Disability Law Group, we’ve gathered practical tips to help you enjoy a budget-friendly, low-stress Thanksgiving while still embracing the spirit of the season.

Tips and Ideas:

1. Affordable Thanksgiving Meals:
   • Community Meals: Many churches, shelters, and community centers offer free Thanksgiving dinners. Contact local nonprofits or use resources like United Way (2-1-1) to find meal services near you.
   • Potluck Gatherings: If hosting or cooking a full meal feels overwhelming, ask friends or family to contribute by bringing a dish. A potluck approach can ease the burden and make the meal feel like a collaborative effort.
   • Low-Cost Meal Planning: Stick to budget-friendly ingredients like potatoes, beans, and seasonal vegetables. You don’t need to create a lavish spread to enjoy a meaningful meal.
2. Accessible Cooking Tips:
   • Pre-Chopped Ingredients: Save energy and time by using pre-chopped or pre-prepared ingredients from the store. Many grocery stores offer these items at affordable prices.
   • Adaptive Cooking Tools: Consider using kitchen tools designed for those with mobility challenges, like easy-grip utensils or automatic choppers.
   • Meal Delivery Services: Some grocery stores and local restaurants offer affordable, pre-made Thanksgiving meal kits. If cooking isn’t an option, this can be a stress-free solution.
3. Staying Connected and Grateful:
   • Virtual Gatherings: If you can’t travel or host guests, consider using video chat platforms like Zoom or FaceTime to share a meal with loved ones virtually. You can still enjoy the company of others while staying comfortable at home.
   • Gratitude Journaling: Reflecting on the positive aspects of your life can be a powerful way to feel connected to the Thanksgiving spirit. Consider keeping a gratitude journal or sharing what you’re thankful for with others.
4. Community Resources:
   • Food Banks: Many food banks offer Thanksgiving meal kits. Reach out to Feeding America or other local food banks for assistance.
   • Free Meals for Seniors or Those with Disabilities: Programs like Meals on Wheels provide free or low-cost holiday meals delivered to your door. Find more at mealsonwheelsamerica.org.

Thanksgiving is about more than the food—it’s about connection, gratitude, and giving back. Whether you’re sharing a meal with family or embracing the day in your own unique way, remember to take it one step at a time and focus on what truly matters.

If you need help accessing local resources or have questions about your disability benefits, Disability Law Group is always here to guide you. Contact us today for support, whether it’s through the holiday season or beyond.

The Work History Report (SSA-3369) is a critical part of your disability claim. This form helps SSA evaluate whether your disability prevents you from doing your past work or adjusting to new types of work. How you describe your job duties and work limitations can significantly impact SSA’s decision, so it’s important to be thorough and accurate.

Why Detail Matters in the Work History Report

Your job history is more than just a list of roles; it tells SSA how physically and mentally demanding your work was, and why you can no longer perform these tasks due to your disability. For example, if you were a retail worker, simply saying “handled sales” doesn’t give SSA enough context. Instead, explain that your job involved standing for long hours, lifting boxes of inventory, and dealing with the stress of managing customer complaints.

Being vague or general in your job descriptions can lead SSA to assume that you’re still capable of performing these duties, which might result in a denial. In contrast, providing detailed examples of how your condition affects specific job tasks allows SSA to see the full scope of your limitations.

Claimants often make the mistake of downplaying their work responsibilities, which can harm their claim. To avoid this, be specific about how tasks like lifting, standing, or concentrating became more difficult as your condition worsened.

Explaining Job Transitions and Modifications

If your condition caused you to transition out of your job or request workplace accommodations, it’s important to explain this clearly on SSA-3369. This shows SSA how your ability to work declined over time and that even with adjustments, you could no longer perform essential job functions.

For example, a nurse with chronic back pain might have initially been moved to lighter duties, such as administrative work, but eventually found that even sitting at a desk caused pain. By detailing this transition and showing that modifications were not enough, you help SSA understand the progression of your disability.

Another common mistake is failing to mention job modifications. Claimants sometimes assume that because their employer allowed for certain accommodations, SSA will see them as able to work. However, explaining how even modified tasks were unmanageable strengthens your case.

Avoiding Common Mistakes on SSA-3369

Here are some pitfalls to watch out for when completing your Work History Report:

• Being too vague: Instead of writing “desk job,” explain how your administrative work involved repetitive motions like typing, which worsened your carpal tunnel syndrome.
• Downplaying the physical demands of your job: If your job involved lifting 50-pound boxes, don’t gloss over this detail—it’s critical in demonstrating how your condition limits your ability to work.

Another frequent error is assuming SSA understands the nature of your work. Claimants sometimes write “sales” or “management” without explaining the physical, mental, or emotional toll their job took. Always be specific, giving SSA a clear picture of the challenges you faced.

How SSA Uses the Work History Report

SSA cross-references your work history with your medical records to assess whether you can return to your past work or adapt to other work. If there’s any inconsistency between your work history and what your medical records say, SSA might question the validity of your claim.

For example, if you list job duties that involved standing and heavy lifting but fail to show how your back injury prevents you from standing for long periods, SSA may conclude you’re still able to perform that work. Being consistent in how you describe your symptoms and work limitations is crucial.

Working with an attorney like DLG can help ensure that your medical records and work history report align perfectly. An experienced attorney can also help you explain job transitions, modifications, and other details that may not seem important at first glance but are critical to building a strong case.

Completing SSA-3369 is a critical step in proving your disability claim. If you’re unsure how to fill out the form or need help organizing your work history, Disability Law Group is here to assist you. Contact their experienced team to ensure your work history reflects your limitations and strengthens your claim.

Diabetes is a chronic condition that can cause a wide range of complications, impacting your ability to work and perform daily activities. For some people, diabetes can become severe enough to qualify for Social Security Disability Insurance (SSDI). However, simply having diabetes is not enough to qualify for SSDI—you must meet specific criteria set by the Social Security Administration (SSA).

In this blog, we will explore how diabetes can qualify you for SSDI, what medical evidence you need to submit, and what to expect from the SSA’s evaluation process, including the Blue Book Listing for diabetes-related conditions.

How Diabetes Can Qualify for SSDI

Diabetes by itself does not automatically qualify someone for SSDI. The SSA evaluates diabetes based on how the condition affects your ability to function and whether you experience specific complications. For many, the symptoms of diabetes—such as fatigue or high blood sugar levels—can be managed with medication and lifestyle changes. However, when diabetes leads to severe complications or is not well-controlled, it may prevent you from working full-time.

Key Factors the SSA Considers:

• Severity of the Condition: The SSA evaluates the impact of your diabetes, particularly if it results in frequent hospitalizations, chronic fatigue, or other disabling symptoms.
• Complications from Diabetes: Severe complications like neuropathy, kidney disease, vision problems (diabetic retinopathy), or cardiovascular issues can play a crucial role in qualifying for SSDI.
• Inability to Work: You must demonstrate that your diabetes prevents you from performing Substantial Gainful Activity (SGA), which means earning more than $1,470 per month in 2024.

Example:
A person with poorly controlled Type 1 diabetes who experiences frequent blood sugar fluctuations and recurrent hospitalizations for ketoacidosis may be eligible for SSDI if these episodes prevent them from maintaining consistent employment.

The SSA Blue Book Listing for Diabetes

The SSA uses its Blue Book to outline specific medical conditions that automatically qualify for SSDI if certain criteria are met. While diabetes itself is not listed as a stand-alone condition, there are several diabetes-related complications that are covered under other sections of the Blue Book. Applicants must meet the criteria for one of these conditions to qualify for benefits.

1. Diabetic Neuropathy (Blue Book Section 11.14 – Peripheral Neuropathy)

One of the most common complications of diabetes is diabetic neuropathy, which affects the nerves in the extremities, causing numbness, tingling, pain, and muscle weakness. If neuropathy is severe enough to prevent you from walking, using your hands effectively, or performing manual tasks, it may qualify under the SSA’s listing for peripheral neuropathy.

• Listing Requirements: To meet the criteria for peripheral neuropathy, you must show that you have significant and persistent disorganization of motor function in two extremities, resulting in an inability to perform movements like walking or standing without assistance.

Example:
A person with diabetic neuropathy in both legs who can no longer walk without a cane or walker may qualify for SSDI under this listing, especially if their condition severely limits their mobility.

2. Diabetic Retinopathy (Blue Book Section 2.00 – Vision Impairments)

Diabetic retinopathy is a serious eye condition that can develop due to diabetes, potentially leading to significant vision loss or blindness. If your vision impairment meets the SSA’s definition of legal blindness, you may qualify for SSDI under the vision impairment listing.

• Listing Requirements: To qualify, your corrected vision in your better eye must be 20/200 or worse, or your visual field must be severely restricted.

Example:
A person with diabetic retinopathy whose vision has deteriorated to 20/200 in their best eye may meet the criteria for SSDI under this listing, especially if their vision loss prevents them from performing job tasks that require visual acuity.

3. Diabetic Nephropathy (Blue Book Section 6.00 – Kidney Disease)

Diabetes can cause damage to the kidneys, leading to diabetic nephropathy or chronic kidney disease (CKD). If you have reached advanced stages of kidney disease or require dialysis, you may qualify for SSDI under the kidney disease listing.

• Listing Requirements: To meet this listing, you must have chronic kidney disease that results in regular dialysis, a kidney transplant, or severely reduced kidney function.

Example:
A person with Type 2 diabetes who has progressed to end-stage renal disease and requires dialysis three times a week may qualify for SSDI under this listing, as their condition severely limits their ability to work.

4. Cardiovascular Complications (Blue Book Section 4.00 – Cardiovascular System)

Diabetes can increase the risk of developing cardiovascular diseases, such as coronary artery disease or heart failure. If you have significant heart problems related to your diabetes, you may qualify under the cardiovascular system listings.

• Listing Requirements: The SSA has multiple listings for cardiovascular impairments, such as ischemic heart disease, chronic heart failure, or arrhythmias. You must show that your condition results in ongoing symptoms, hospitalizations, or limitations that prevent you from performing physical activities.

Example:
A person with diabetes who has developed coronary artery disease and experiences chest pain and shortness of breath when walking short distances may qualify for SSDI if their condition significantly limits their ability to work.

Medical Evidence You Need for a Successful SSDI Claim with Diabetes

To qualify for SSDI, it’s essential to provide comprehensive and detailed medical documentation that demonstrates the severity of your diabetes and any complications you’ve experienced. This evidence should clearly show how your condition affects your ability to work and perform daily tasks.

Key Medical Evidence for Diabetes-Related SSDI Claims:

• Doctor’s Reports: Detailed reports from your endocrinologist or primary care physician outlining your diabetes diagnosis, treatment history, and complications. This should include information about blood sugar control, medications, and any hospitalizations.
• Test Results: Lab results showing A1C levels, blood glucose measurements, kidney function tests, or imaging studies that document the impact of diabetes on your body.
• Functional Capacity Evaluations (FCEs): Reports from your doctors or specialists that describe how your diabetes limits your physical or cognitive abilities, such as walking, standing, or concentrating.

Example:
A person with diabetic neuropathy may submit reports from their neurologist documenting the nerve damage in their legs, along with a functional capacity evaluation showing that they can no longer walk or stand for long periods due to pain and weakness.

What to Expect from the SSDI Application Process

Applying for SSDI due to diabetes-related complications can be a lengthy process, but understanding what to expect can help you prepare. The SSA will review your medical records, work history, and functional limitations to determine whether your condition qualifies for disability benefits.

• Initial Application: Submit your application with comprehensive medical documentation. It’s common for the SSA to request additional records or schedule a consultative examination (CE) if more information is needed.
• Reconsideration or Appeals: If your initial application is denied, don’t be discouraged. Many diabetes-related claims are initially denied but can be approved upon reconsideration or appeal, especially if you submit additional medical evidence or a more detailed explanation of your limitations.

Example:
A person whose initial SSDI claim for diabetic nephropathy was denied due to incomplete medical records may appeal the decision by submitting more detailed reports from their nephrologist and records of their dialysis treatments.

Let Disability Law Group Help You with Your Diabetes-Related SSDI Claim

Applying for SSDI with diabetes can be challenging, especially if your condition has led to complications that affect your ability to work. At Disability Law Group, we specialize in helping individuals with diabetes and other chronic conditions navigate the SSDI process and secure the benefits they need.

If you’re struggling to work due to diabetes, contact us today for a free consultation. Our experienced attorneys can guide you through the application or appeals process and help you build a strong case for SSDI benefits.

As we look ahead to 2025, several changes and proposals are on the horizon for Social Security Disability Insurance (SSDI) that could impact both new applicants and those currently receiving benefits. The SSA regularly updates its policies to adjust for economic shifts, inflation, and evolving healthcare needs, which means it’s essential to stay informed about what’s coming.

In this blog, we’ll explore the likely and proposed changes to SSDI in 2025, including updates to income limits, benefits calculations, and policy reforms. Whether you’re applying for SSDI for the first time or currently receiving benefits, these changes could affect your financial stability and eligibility.

Key Areas of Change to Watch in 2025

Several key aspects of the SSDI program may see changes in 2025. While not all proposals will become law, understanding what’s being discussed can help you prepare for potential shifts in benefits and eligibility criteria. Below are some of the most anticipated changes.

1. Increase in Substantial Gainful Activity (SGA) Limits

The Substantial Gainful Activity (SGA) limit determines how much income you can earn while still qualifying for SSDI benefits. Each year, the SSA adjusts the SGA limits based on inflation and cost-of-living considerations. For 2024, the SGA limit for non-blind individuals is $1,470 per month, while the limit for blind individuals is $2,460 per month.

• Projected SGA Increase for 2025: Due to ongoing inflation, the SGA limits are expected to rise again in 2025. We anticipate that the SGA limit for non-blind individuals could increase to $1,530 per month, while the limit for blind individuals may rise to $2,550 per month.
• Impact on Workers Testing Their Ability to Work: This increase would allow SSDI recipients to earn more income while still receiving benefits, which could benefit those testing their ability to return to work without immediately losing their financial support.

Example:
A person receiving SSDI for a mental health condition may currently be able to work part-time and earn up to $1,470 per month. In 2025, they may be able to increase their hours slightly and earn up to $1,530 without risking their SSDI benefits.

2. Changes to the Trial Work Period (TWP)

The Trial Work Period (TWP) allows SSDI recipients to test their ability to work for nine months without losing their benefits. In 2024, the monthly income threshold for a TWP month is $1,050. After completing the nine months, the SSA reviews whether your earnings exceed the SGA limit and determines if your benefits should continue or stop.

• Projected TWP Increase for 2025: Similar to the SGA limit, the TWP threshold is expected to increase in 2025, allowing SSDI recipients to earn more during their trial work months. The new TWP threshold could rise to $1,100 or higher.
• Potential Policy Proposals: Some proposals suggest extending the Trial Work Period beyond nine months or allowing SSDI recipients more flexibility in how they use their trial work months, such as spreading them out over a longer period.

Example:
A person who works as a freelance writer may have earned $1,200 in a trial work month in 2024, triggering one of their nine TWP months. In 2025, they may be able to earn slightly more before triggering a TWP month, providing more flexibility in returning to work.

3. Cost-of-Living Adjustments (COLA)

The Cost-of-Living Adjustment (COLA) is an annual increase in Social Security benefits (including SSDI) to help recipients keep up with rising living costs due to inflation. In 2024, SSDI recipients saw an 8.7% COLA increase—the largest in decades—due to high inflation rates.

• Projected COLA for 2025: While inflation has moderated somewhat, we can still expect a COLA increase in 2025. Early estimates suggest a potential COLA increase of around 5%, which would increase monthly SSDI payments for all beneficiaries.
• Impact on Monthly Benefits: This COLA increase will directly impact the amount SSDI recipients receive each month, providing a necessary adjustment to rising living costs.

Example:
A person receiving $2,000 per month in SSDI benefits in 2024 could see their payment increase to $2,100 or more in 2025, depending on the official COLA increase.

4. Potential Policy Reforms: Streamlining the SSDI Application Process

Several lawmakers and advocacy groups have proposed reforms to make the SSDI application process more efficient and less burdensome for applicants. These proposals aim to reduce the long wait times many applicants face and provide faster access to benefits for those with severe disabilities.

• Shorter Processing Times for Severe Disabilities: One proposal involves fast-tracking SSDI claims for individuals with conditions that are clearly disabling, such as certain terminal illnesses or severe disabilities listed in the SSA’s Blue Book.
• Simplified Application Process: There is also discussion of simplifying the SSDI application forms, particularly for older adults and veterans, to reduce the complexity and improve approval rates for those who clearly meet disability criteria.

Example:
A veteran with a severe disability like amyotrophic lateral sclerosis (ALS) may benefit from a fast-tracked application process, allowing them to receive SSDI benefits more quickly rather than waiting months for a decision.

5. Increased Awareness of Mental Health Disabilities

With growing recognition of the impact mental health conditions have on daily functioning, there is an increasing push to make it easier for individuals with mental health disabilities to qualify for SSDI. Conditions such as depression, anxiety, and post-traumatic stress disorder (PTSD) are already covered under the SSA’s Blue Book listings, but some proposals suggest expanding mental health criteria or providing more clear guidance for mental health-related claims.

• Expanded Mental Health Criteria: Proposed changes could involve making it easier to qualify for SSDI based on mental health conditions by providing clearer definitions and less subjective criteria for conditions like chronic depression and anxiety.
• Increased Emphasis on Medical Evidence for Mental Health: The SSA may also place more weight on medical evidence from psychologists and psychiatrists in determining mental health-related claims.

Example:
An applicant with PTSD may find it easier to qualify for SSDI if new guidelines reduce the burden of proof or provide clearer pathways to approval for mental health conditions.

How These Changes Could Impact New Applicants and Current Recipients

The proposed and anticipated changes for 2025 could have significant implications for both new SSDI applicants and those already receiving benefits. It’s important to understand how these shifts may affect your eligibility, income limits, and monthly benefits.

• New Applicants: Increased SGA and TWP limits will provide more flexibility for applicants who want to test their ability to work. Fast-tracked applications and streamlined processes could reduce wait times for individuals with severe disabilities.
• Current Recipients: A COLA increase will provide much-needed financial relief for current SSDI beneficiaries, while higher income limits will allow recipients to work part-time or test new job opportunities without immediately losing benefits.

Let Disability Law Group Help You Stay Informed About SSDI Changes

With many potential changes on the horizon for SSDI in 2025, it’s more important than ever to stay informed about how these updates may impact your benefits. At Disability Law Group, we are committed to helping you navigate the complexities of SSDI, whether you’re applying for the first time or managing ongoing benefits.

If you have questions about how these changes could affect your SSDI claim or need assistance preparing for new policies, contact us today for a free consultation. We’re here to guide you through every step of the process and ensure you get the benefits you deserve.

If you’re over 50 and considering applying for Social Security Disability Insurance (SSDI), you may be in a better position to qualify than younger workers. The Social Security Administration (SSA) recognizes that as individuals age, their ability to transition to new types of work becomes more difficult, especially when they have significant physical or mental impairments. This is why special rules, known as grid rules, apply to older workers, making it easier for those over 50 to qualify for SSDI benefits.

In this blog, we’ll explain how age impacts your SSDI claim, what the grid rules are, and how to strategically approach your application if you’re an older worker seeking disability benefits.

How Age Affects SSDI Claims

When determining whether someone qualifies for SSDI, the SSA considers not only their medical condition but also their age, education, and work experience. For applicants over 50, these factors are weighed more favorably due to the challenges older workers face in finding new employment, particularly if they have a disabling condition.

The SSA divides applicants into different age categories, which can influence how likely they are to be approved for SSDI:

• Ages 50 to 54: Considered “closely approaching advanced age,” applicants in this age group are often viewed more favorably than younger workers, especially if they can no longer perform the work they’ve done in the past.
• Ages 55 and Older: Considered “advanced age,” applicants in this group have an even greater advantage because the SSA acknowledges that learning new skills or transitioning to a new type of work becomes more difficult as people age.

Example:
A 52-year-old construction worker with degenerative disc disease who can no longer lift heavy objects or stand for long periods is more likely to qualify for SSDI than a 35-year-old with the same condition because the older worker is less likely to transition to a new, less physically demanding job.

Understanding the Grid Rules for Older Workers

The Medical-Vocational Guidelines, commonly referred to as the grid rules, are a set of regulations the SSA uses to determine whether an individual qualifies for SSDI based on their residual functional capacity (RFC), age, education, and work experience.

The grid rules help older workers who can no longer perform their previous work due to a disability but may still be capable of performing less physically demanding or less skilled work. However, the SSA understands that for older workers, transitioning to a new job or learning new skills can be more difficult, which is why the grid rules are more lenient for individuals over 50.

How the Grid Rules Work

The grid rules divide claimants into three categories based on the type of work they can still perform:

1. Sedentary Work: Jobs that involve mostly sitting, with occasional walking or standing.
2. Light Work: Jobs that involve more physical activity, such as standing, walking, and lifting up to 20 pounds.
3. Medium Work: Jobs that involve more strenuous activity, including frequent lifting of 25 to 50 pounds.

The SSA will evaluate your RFC to determine what level of work you can still perform, and then use the grid rules to assess your claim.

• For Individuals Aged 50-54: If you can only perform sedentary work but don’t have transferable skills from your past work, you’re more likely to be approved for SSDI.
• For Individuals Aged 55 and Older: Even if you can perform light work, you may still be approved for SSDI if your past work required more physical exertion and you lack the skills to transition to a less demanding job.

Example:
A 57-year-old warehouse worker with arthritis in their knees may be limited to sedentary work, but because their past jobs involved heavy lifting and physical labor, the SSA may determine that they don’t have the skills to transition to an office job, making them eligible for SSDI.

Education and Work Experience: How These Factors Impact Your Claim

In addition to age, the SSA considers your education and work experience when determining whether you can transition to a different type of work.

• Education Level: Individuals with less education—such as those who did not complete high school—are more likely to qualify for SSDI because they may not have the training or qualifications to move into less physically demanding or more skilled jobs.
• Work Experience: The type of work you’ve done in the past also plays a significant role. If your work history involves physically demanding jobs, it will be harder for the SSA to suggest that you could transition to sedentary or light work.

Example:
A 53-year-old janitor with a high school education and no office experience who suffers from severe arthritis may qualify for SSDI if they can no longer perform physically demanding tasks. Because they lack the skills to transition to sedentary work, the SSA is more likely to approve their claim.

Strategies for Older Workers Applying for SSDI

If you’re over 50 and applying for SSDI, there are several strategies you can use to improve your chances of approval:

1. Highlight Physical Limitations and Inability to Transition to New Work

Be sure to emphasize your physical limitations and explain how they prevent you from performing not only your past work but also any other type of work. The SSA will assess your ability to transition to less demanding work, so providing detailed evidence about your limitations is crucial.

• Provide Detailed Medical Evidence: Include detailed medical records, doctor’s notes, and imaging studies that show the severity of your condition and how it impacts your ability to work.
• Explain Lack of Transferable Skills: If your past work involved physical labor or unskilled tasks, make it clear that you do not have the skills necessary to transition to sedentary or less physically demanding work.

Example:
A 52-year-old nurse who has developed carpal tunnel syndrome and can no longer perform tasks like charting or administering IVs should provide medical evidence of their condition and explain how they lack the skills to transition to another type of work, such as office administration.

2. Document How Your Condition Has Worsened Over Time

For older workers, it’s important to show how your condition has progressed or worsened over time. This can demonstrate that, although you may have been able to work with your condition in the past, it has now reached a point where it prevents you from maintaining employment.

• Track Your Symptoms: Keep a journal that documents your symptoms, pain levels, and any new limitations. Share this information with your doctor so it can be included in your medical records.
• Update Medical Records Regularly: Make sure your medical records reflect the current state of your condition, especially if it has worsened since you last saw your doctor.

Example:
A 55-year-old factory worker with chronic back pain may have continued working despite their condition, but over time, the pain has worsened to the point where they can no longer stand for long periods. Providing updated medical records showing this progression will help demonstrate the severity of the disability.

3. Work with a Disability Attorney to Present a Strong Case

The SSDI process can be complex, particularly for older workers who may not fully understand how the grid rules and other factors apply to their case. Working with a disability attorney can help ensure that your application is complete, your medical evidence is thorough, and your case is presented in the strongest possible light.

• Attorney Support for Appeals: If your initial SSDI application is denied, an experienced attorney can help you navigate the appeals process and present additional evidence that strengthens your case.

Example:
A 60-year-old construction worker who has been denied SSDI due to a lack of medical evidence can work with an attorney to gather additional documentation, such as functional capacity evaluations and updated imaging studies, to present a stronger case on appeal.

Let Disability Law Group Help You Navigate SSDI for Older Workers

If you’re over 50 and struggling to work due to a disability, you have a higher chance of qualifying for SSDI benefits under the SSA’s grid rules. However, the application process can still be challenging, and it’s important to present a strong case.

At Disability Law Group, we specialize in helping older workers secure the SSDI benefits they deserve. Contact us today for a free consultation, and let us guide you through the process of applying for or appealing your SSDI claim.

When someone qualifies for Social Security Disability Insurance (SSDI), it’s not just the disabled individual who may be eligible for benefits—often, their family members can receive additional support through SSDI’s family benefits. For families who rely on a single income or face financial difficulties due to a loved one’s disability, these benefits can be life-changing.

In this blog, we will discuss the various benefits available to family members of SSDI recipients, including spousal and dependent benefits, and how caregivers can access support to provide ongoing care.

Who Is Eligible for SSDI Family Benefits?

The SSA recognizes that a disability can impact an entire household, not just the individual with the disability. Because of this, certain family members may qualify for additional SSDI payments. These benefits can provide financial relief for spouses, children, and other dependents who rely on the disabled person’s income.

Eligible Family Members Include:

• Spouses: A spouse can qualify for benefits if they are age 62 or older or if they are caring for the disabled worker’s child who is under age 16 or disabled.
• Children: Biological, adopted, and stepchildren of the disabled worker can receive benefits if they are under age 18 (or up to age 19 if still in high school).
• Disabled Adult Children: Adult children who became disabled before age 22 may qualify for benefits based on their parent’s SSDI if they are unable to work.
• Ex-Spouses: In some cases, ex-spouses may be eligible for benefits if they were married to the disabled individual for at least 10 years and meet other specific criteria.

Example:
A woman who receives SSDI for multiple sclerosis can qualify her spouse for additional benefits if he is over 62 or caring for their disabled child. Additionally, their minor children may also receive dependent benefits to help with educational or living expenses.

How Much Can Family Members Receive?

The amount family members can receive through SSDI depends on the disabled worker’s benefit amount. Typically, family members can receive up to 50% of the disabled worker’s monthly benefit.

• Family Maximum Benefits: While each eligible family member may receive up to 50% of the SSDI recipient’s benefit, there is a cap on total family benefits, known as the family maximum. Generally, this is between 150% and 180% of the disabled worker’s SSDI amount.
• Dependent Benefits: If multiple family members (such as a spouse and two children) are eligible for benefits, their payments may be adjusted so that the total family benefit stays within the family maximum limit.

Example:
If an SSDI recipient receives $2,000 per month, their spouse and one child could receive an additional $1,000 each, but the total family benefits cannot exceed $3,600 to $4,000, depending on the family maximum limit.

Caregiver Support: How SSDI Can Help Those Providing Care

For families who have a disabled member, caregiving responsibilities often fall on a spouse, parent, or other loved one. While SSDI itself doesn’t offer direct payments to caregivers, it can provide financial stability that helps ease the burden of caregiving.

1. Benefits for Spouses Providing Care

If you are the spouse of an SSDI recipient and are caring for your disabled spouse or their child under age 16, you may be eligible for additional benefits. These benefits can be particularly helpful if caregiving responsibilities prevent you from working full-time or limit your ability to earn an income.

• Spousal Benefits for Caregivers: As long as you are married to an SSDI recipient and meet the age or caregiving requirements, you may qualify for benefits that help offset the financial impact of caregiving.

Example:
A man caring for his wife, who receives SSDI for a traumatic brain injury, may be eligible for spousal benefits if they have a minor child at home. This financial support can help cover living expenses, allowing him to focus on caregiving without needing to work full-time.

2. Benefits for Disabled Adult Children

If you are caring for an adult child with disabilities, SSDI benefits can extend beyond their 18th birthday, provided their disability began before age 22. In this case, the disabled adult child may qualify for SSDI based on their parent’s earnings record.

• Disabled Adult Child Benefits: These benefits can provide financial stability to adult children who are unable to work due to a disability. Additionally, if you are the primary caregiver, the financial support may allow you to dedicate more time to caregiving.

Example:
A mother caring for her 25-year-old son with cerebral palsy may be able to claim SSDI benefits on her work record if her son became disabled before age 22. This helps cover caregiving expenses and provides financial assistance for her son’s living costs.

How to Apply for SSDI Family Benefits

Applying for family benefits under SSDI is relatively straightforward, but it’s important to ensure that you provide all the necessary documentation and meet the eligibility criteria.

Steps to Apply for SSDI Family Benefits:

1. Gather Documentation: You will need to provide proof of your relationship to the SSDI recipient (such as marriage certificates or birth certificates) as well as their SSDI award letter.
2. Apply Online or at Your Local SSA Office: You can apply for family benefits online through the SSA’s website or by visiting your local SSA office. If you are applying for benefits for a minor or disabled adult child, be prepared to provide medical evidence of their disability.
3. Understand the Family Maximum: Be aware that if multiple family members are eligible for benefits, the total family benefit may be adjusted to stay within the family maximum limit.

Example:
A spouse applying for benefits for herself and her two minor children will need to provide the disabled worker’s SSDI award letter, marriage certificate, and the children’s birth certificates. If the children are over age 16 and disabled, medical documentation proving their disabilities will also be required.

Special Considerations for Caregivers of SSDI Recipients

While caregivers don’t receive direct compensation through SSDI, there are several options for those providing care to loved ones:

• Medicare Eligibility: SSDI recipients are automatically enrolled in Medicare after 24 months of benefits. Caregivers may be eligible to assist their loved one in managing their healthcare needs through Medicare services, such as home health care.
• State Programs for Caregivers: Many states offer programs that provide financial support or respite care for caregivers. These programs vary by state, but they can offer much-needed relief for caregivers who provide daily care to SSDI recipients.

Example:
A caregiver in Michigan may qualify for financial support through the state’s respite care program, allowing them to take breaks from caregiving duties while their loved one receives temporary care services.

We Can Help You Access SSDI Family and Caregiver Benefits

If you’re caring for a loved one who receives SSDI, you may be eligible for additional benefits that can ease the financial strain on your family. At Disability Law Group, we specialize in helping families navigate the SSDI process and secure the benefits they deserve.

Whether you’re applying for spousal or dependent benefits, or seeking support as a caregiver, we’re here to guide you every step of the way. Contact us today for a free consultation and let us help you access the benefits that support your family’s needs.

Veterans often face unique challenges when applying for Social Security Disability Insurance (SSDI) benefits. Many veterans suffer from both physical and mental health conditions related to their military service, which can affect their ability to work and lead them to seek SSDI. Understanding the SSDI process as a veteran is critical, as there are certain considerations and interactions between Veterans Affairs (VA) benefits and SSDI that can significantly impact your claim.

In this blog, we’ll explore how military service and veteran status can influence your SSDI application, how VA disability ratings can support your claim, and what steps you can take to ensure your SSDI benefits are approved.

SSDI vs. VA Disability: Understanding the Differences

One of the most common questions veterans have is how SSDI and VA disability benefits differ, and whether it’s possible to receive both types of benefits simultaneously.

• SSDI (Social Security Disability Insurance): SSDI is a federal program that provides benefits to individuals who cannot work due to a disabling condition that has lasted or is expected to last at least 12 months. To qualify for SSDI, you must have paid into Social Security through employment and meet the required work credit thresholds.
• VA Disability Benefits: VA disability compensation is available to veterans who have a service-connected injury or illness. Unlike SSDI, you don’t need to prove that you’re unable to work entirely; instead, you must show that your condition was caused or aggravated by your military service.

Key Difference:

The biggest difference between SSDI and VA disability benefits is the eligibility standard. SSDI requires that you be totally disabled and unable to work at Substantial Gainful Activity (SGA) levels, while VA disability allows partial disability ratings, meaning you can receive compensation even if you’re only partially disabled.

Example:
A veteran with a 70% VA disability rating for PTSD may still be able to work part-time or perform certain jobs. However, to qualify for SSDI, they must show that their PTSD (along with any other service-related or non-service-related conditions) prevents them from performing substantial gainful activity.

How VA Disability Ratings Can Help Your SSDI Claim

One of the most powerful tools veterans have when applying for SSDI is their VA disability rating. While the SSA and the VA have different standards for determining disability, a high VA disability rating can strengthen your SSDI claim.

• VA 100% Disability Rating: If you have a 100% Permanent and Total (P&T) VA disability rating, it significantly increases the likelihood that the SSA will approve your SSDI claim. This is because the VA has already determined that you are fully disabled and unable to work.
• Lower VA Disability Ratings: Even if you don’t have a 100% VA disability rating, a high rating (such as 70% or above) can still provide strong support for your SSDI claim, especially if your conditions impact your ability to work full-time.

Example:
A veteran with a 90% VA rating for back pain, PTSD, and hearing loss can use their VA medical records and evaluations to demonstrate to the SSA how these conditions collectively prevent them from maintaining substantial gainful employment.

How to Strengthen Your SSDI Claim as a Veteran

Veterans applying for SSDI should take certain steps to ensure their claim is as strong as possible. Here are key strategies to increase your chances of approval:

1. Provide Comprehensive Medical Records

Medical records from both VA doctors and private healthcare providers are essential for your SSDI claim. The SSA will want to see detailed documentation of how your physical and mental health conditions impact your daily functioning and ability to work.

• VA Medical Records: Request and submit all relevant VA medical records that document your service-connected conditions.
• Private Medical Records: If you’re receiving treatment from private doctors, include these records as well, particularly if they address conditions not covered by your VA disability rating.

Example:
A veteran receiving SSDI for chronic migraines may have VA records that document their migraines as a service-connected condition. However, if they also receive treatment from a neurologist outside the VA system, submitting those records will provide additional evidence to support their claim.

2. Use Your VA Disability Determination

While the SSA is not bound by the VA’s disability determination, the SSA often gives weight to a veteran’s VA disability rating. If you have a 100% VA disability rating, be sure to emphasize this in your SSDI application.

• Provide Your VA Disability Rating Letter: Include a copy of your VA rating decision and any supporting documentation, such as nexus letters or medical evaluations.
• Show the Cumulative Impact: If you have multiple service-connected conditions, explain how these conditions collectively prevent you from working. Even if one condition alone might not be enough to qualify for SSDI, the combined effect could render you unable to maintain gainful employment.

Example:
A veteran with a 60% VA disability rating for PTSD and a 40% rating for back injuries should present how these combined conditions affect their physical and mental capacity to work in any job environment.

3. Explain How Your Military Service Impacts Your Ability to Work

The SSA will review your Residual Functional Capacity (RFC) to determine what types of work, if any, you can still perform. Veterans should explain in detail how their military service contributed to their disabling condition and why it prevents them from performing work.

• Physical Limitations: Many veterans have physical conditions related to their service, such as musculoskeletal injuries, chronic pain, or hearing loss, that limit their ability to perform physical tasks.
• Mental Health Conditions: Conditions like PTSD, anxiety, and depression are common among veterans and can severely impact concentration, memory, and social interactions—all of which are critical in a work environment.

Example:
A veteran who served as a vehicle mechanic and now suffers from degenerative disc disease due to years of heavy lifting can explain how their military duties directly led to their current inability to perform physical labor.

Common Conditions That Qualify Veterans for SSDI

While veterans may suffer from a wide range of conditions, some of the most common disabilities that qualify for both VA compensation and SSDI include:

• Post-Traumatic Stress Disorder (PTSD): Symptoms such as flashbacks, hypervigilance, and avoidance behaviors can make it difficult for veterans to maintain employment, particularly in high-stress environments.
• Chronic Pain and Musculoskeletal Injuries: Many veterans experience chronic pain from service-related injuries, such as back pain, joint problems, or arthritis.
• Traumatic Brain Injury (TBI): TBI can lead to memory loss, cognitive impairments, and emotional changes that interfere with a veteran’s ability to work.
• Hearing Loss and Tinnitus: Veterans exposed to loud noises during service may suffer from hearing loss or tinnitus, which can make communication and focus difficult in a work environment.

Example:
A veteran who was deployed multiple times and now suffers from both PTSD and a traumatic brain injury may struggle with memory, concentration, and controlling their emotions, making it impossible to hold down a job that requires focus or interaction with others.

Can You Receive Both VA Disability and SSDI?

Yes, veterans can receive both VA disability compensation and SSDI benefits at the same time. These benefits are not offset by each other, which means you can receive full payments from both programs if you qualify.

• No Offset: Your VA disability benefits will not be reduced if you are approved for SSDI, and vice versa. However, the SSA will evaluate non-service-connected conditions separately when determining your eligibility for SSDI.
• Concurrent Benefits: Many veterans rely on both SSDI and VA disability benefits to meet their financial needs, especially when their conditions prevent them from returning to work altogether.

Let Disability Law Group Help You Get the Benefits You Deserve

If you’re a veteran struggling to work due to a service-related or non-service-related condition, you may be eligible for SSDI in addition to your VA benefits. Navigating the SSDI process as a veteran can be complex, but Disability Law Group is here to help.

Our experienced attorneys understand the unique challenges veterans face and can help you present the strongest possible case for SSDI. Contact us today for a free consultation, and let us help you secure the benefits you’ve earned through your service.

When applying for Social Security Disability Insurance (SSDI), the single most important factor in winning your claim is the quality and thoroughness of your medical evidence. The Social Security Administration (SSA) relies heavily on medical records to determine whether you meet the criteria for disability benefits. Without strong evidence, even valid claims may be denied.

In this blog, we’ll explain the critical role that medical evidence plays in SSDI claims, what types of documentation you need to submit, and how to build the strongest possible case to improve your chances of approval.

Why Is Medical Evidence So Important?

Medical evidence is the foundation of your SSDI claim. It provides the SSA with the information they need to verify the severity of your condition, the treatments you’ve undergone, and how your disability impacts your ability to work.

When you apply for SSDI, the SSA reviews your medical evidence to determine whether your condition meets their definition of a disability. To qualify for benefits, your condition must:

• Prevent you from engaging in substantial gainful activity (SGA) for at least 12 months or be expected to result in death.
• Be supported by objective medical evidence, such as test results, doctor’s reports, and treatment notes.

Example:
A claimant with chronic back pain cannot simply state that they experience pain. They must provide medical records, such as MRIs or X-rays, showing degenerative disc disease, along with notes from a physician detailing how the pain limits their ability to stand, walk, or lift objects at work.

Types of Medical Evidence Needed for an SSDI Claim

The SSA requires a wide range of medical evidence to thoroughly evaluate your claim. Below are the essential types of evidence that should be included in every SSDI application:

1. Doctor’s Reports

One of the most important pieces of evidence is a detailed report from your treating physician (also known as the treating source). This report should include:

• Diagnosis: The specific medical condition you have been diagnosed with.
• Prognosis: The expected progression or outcome of your condition.
• Functional Limitations: A detailed explanation of how your condition limits your ability to perform work-related activities, such as sitting, standing, walking, or concentrating.

Example:
A claimant with rheumatoid arthritis may include a report from their rheumatologist that outlines their diagnosis, documents swelling and joint damage, and describes how the pain and stiffness prevent them from performing tasks like typing or standing for long periods.

2. Test Results and Imaging Studies

Objective evidence, such as test results or imaging studies, can strengthen your SSDI claim by providing concrete proof of your condition. This may include:

• X-rays or MRIs: To show physical damage or abnormalities, such as herniated discs or arthritis.
• Blood Tests: To confirm diagnoses of conditions like lupus or diabetes.
• Pulmonary Function Tests (PFTs): To measure lung capacity for respiratory issues, such as COPD.

Example:
A person applying for SSDI due to emphysema might submit results from a PFT showing reduced lung function, along with a doctor’s note explaining how this impacts their ability to breathe during physical activities or in certain environments.

3. Treatment Records

Your treatment history provides a timeline of your condition, documenting how it has developed over time and what treatments have been attempted. These records show the SSA that you are actively seeking medical care and following your doctor’s recommendations.

• Medications: Include records of medications you’ve been prescribed and any side effects you experience that may affect your ability to work.
• Therapies: Include physical therapy, occupational therapy, or any other treatments you’ve undergone.
• Surgeries or Procedures: Document any surgeries or medical interventions you’ve had and their outcomes.

Example:
A claimant with depression may submit a list of antidepressant medications they’ve tried, records of psychotherapy sessions, and notes from their psychiatrist documenting how these treatments have been ineffective or only partially effective in managing symptoms.

4. Function Reports

The SSA may ask you or your doctor to complete a Residual Functional Capacity (RFC) form, which assesses your ability to perform work-related tasks in light of your medical condition. This form provides critical insight into how your disability impacts your daily life and ability to work.

• Physical RFC: Evaluates your ability to perform physical tasks such as lifting, standing, or walking.
• Mental RFC: Evaluates your ability to perform tasks that require memory, concentration, or social interaction.

Example:
A claimant with severe anxiety may have a mental RFC completed by their psychologist, indicating that they are unable to interact with coworkers or supervisors without experiencing panic attacks, thereby limiting their ability to work in any team environment.

Common Mistakes to Avoid When Submitting Medical Evidence

It’s easy to make mistakes when compiling medical evidence, and these errors can lead to delays or denials. Here are some common pitfalls to avoid:

• Incomplete Records: Ensure that all medical records are current and comprehensive. Missing records or incomplete treatment histories can raise red flags for the SSA.
• Failure to Document Symptoms: Simply listing your diagnosis is not enough. You must provide detailed documentation of how your symptoms affect your ability to work.
• Overlooking Mental Health Conditions: If you have a physical condition that is accompanied by anxiety, depression, or other mental health issues, make sure to submit evidence of both your physical and mental impairments.

Example:
A claimant applying for SSDI due to chronic migraines may fail to submit records from their therapist treating them for anxiety and depression. By including mental health records, they strengthen their case by showing that both physical and mental symptoms contribute to their inability to work.

How to Strengthen Your SSDI Claim

Building a strong SSDI case requires not only submitting medical evidence but also ensuring that the evidence clearly shows how your condition meets the SSA’s criteria for disability. Here are steps you can take to strengthen your claim:

• Request Detailed Reports from Your Doctors: Don’t be afraid to ask your treating physicians for detailed reports that explain your diagnosis, treatment history, and how your condition limits your ability to work.
• Submit Evidence from Multiple Providers: If you are being treated by several specialists (e.g., a cardiologist, neurologist, or psychiatrist), include records from each one to show the full scope of your condition.
• Keep a Symptom Journal: Documenting your daily symptoms, pain levels, and limitations can provide valuable insight into how your condition impacts your life. Share this journal with your healthcare providers to include in your medical records.

Example:
A claimant with fibromyalgia may ask both their primary care doctor and rheumatologist to submit reports that discuss their symptoms, the treatments they’ve tried, and how their condition has worsened over time. By submitting evidence from multiple sources, they build a stronger case for SSDI.

What Happens If Your SSDI Claim Is Denied?

If your SSDI claim is denied, it’s often due to insufficient or incomplete medical evidence. However, you have the right to appeal the decision, and submitting additional evidence can improve your chances of approval.

• Request for Reconsideration: After receiving a denial, you can submit new medical evidence or ask your doctors to provide more detailed reports.
• Hearing with an Administrative Law Judge (ALJ): If your reconsideration is denied, you can request a hearing where you (or your attorney) can present additional evidence and testimony about your condition.

Example:
A claimant with bipolar disorder may have been denied because their initial application didn’t include comprehensive treatment records. During the appeal, they could provide updated psychiatric evaluations and testimony from their doctor explaining the severity of their mood swings and how they impact their daily life.

Disability Law Group Can Help You Build a Strong SSDI Case

Navigating the SSDI application process can be overwhelming, especially when it comes to gathering the right medical evidence. At Disability Law Group, we understand the importance of detailed, comprehensive medical documentation, and we can help you build a strong case that meets the SSA’s criteria.

If you need help with your SSDI claim or appeal, contact us today for a free consultation. Let our experienced attorneys guide you through the process and secure the benefits you deserve.

For many Social Security Disability Insurance (SSDI) recipients, the ability to work part-time or on a limited basis can provide financial relief and a sense of independence. However, concerns about losing benefits due to earning too much can prevent people from returning to work.

In 2024 and 2025, the Social Security Administration (SSA) allows SSDI beneficiaries to earn income up to certain limits without losing benefits. Understanding these rules is crucial if you’re considering going back to work while receiving SSDI.

In this blog, we’ll cover how much you can earn while on SSDI, how the Trial Work Period (TWP) works, and what to expect in 2025, including changes in income limits and projected adjustments.

How SSDI Allows You to Work and Keep Your Benefits

While SSDI is designed to provide financial assistance to people who are unable to work due to a disability, the SSA recognizes that some people may want or need to try working again without immediately losing their benefits. This is where the Substantial Gainful Activity (SGA) and the Trial Work Period (TWP) come into play.

Substantial Gainful Activity (SGA) in 2024 and 2025

The SSA uses the concept of Substantial Gainful Activity (SGA) to determine if a person is capable of engaging in productive work. SGA is defined by an income threshold that limits how much you can earn while still being considered disabled.

• SGA Income Limit for 2024: In 2024, you can earn up to $1,470 per month if you are non-blind and still qualify for SSDI. For blind individuals, the limit is higher at $2,460 per month.
• SGA Projections for 2025: Although the exact 2025 limits will be adjusted based on inflation, it’s anticipated that the limits will increase slightly. For example, the non-blind SGA limit may rise to around $1,530, while the blind SGA limit could increase to approximately $2,550.

Example:
A graphic designer who is blind and receives SSDI in 2024 can earn up to $2,460 per month. If they exceed that amount, they may no longer qualify for SSDI benefits. However, if they earn less than this threshold, they can continue receiving benefits.

Trial Work Period (TWP): Testing Your Ability to Work

The Trial Work Period (TWP) is a safety net designed for SSDI recipients who want to test their ability to return to work without the risk of losing their benefits immediately. The TWP allows you to work for nine months (within a rolling 60-month period) while still receiving your SSDI benefits, regardless of how much you earn during those months.

• TWP Income Limit for 2024: In 2024, any month in which you earn more than $1,050 is considered a trial work month.
• How It Works: You can work and earn more than the SGA limit during your TWP without losing your SSDI benefits for those nine months. However, after the TWP ends, the SSA will evaluate whether your earnings exceed the SGA limit, which could result in the cessation of benefits.

Example:
A person who works part-time as a cashier and earns $1,200 per month in 2024 will trigger a trial work month. They can continue working and earning more than the SGA limit for up to nine months before their benefits are re-evaluated.

What Happens After the Trial Work Period?

After you complete your nine-month TWP, the SSA conducts a Continuing Disability Review (CDR) to determine whether you can continue working above the SGA level.

• Extended Period of Eligibility (EPE): After your TWP, you enter a 36-month Extended Period of Eligibility (EPE). During this time, you can still receive SSDI benefits in any month your earnings fall below the SGA limit.
• Benefits Cessation: If you earn more than the SGA limit consistently during your EPE, your benefits will be suspended. However, if your earnings fall below the SGA limit, your benefits can be reinstated without needing to reapply.

Example:
A customer service representative who earns $2,000 a month after their TWP could lose benefits after their EPE if they consistently earn above the SGA limit. If their income drops to $1,200 in a future month, their benefits could be reinstated without needing to reapply.

Projections for 2025: What Changes to Expect

Looking ahead to 2025, there are several key factors that SSDI recipients should be aware of when planning to work while on disability benefits.

• Projected COLA Increase: Based on current inflation trends, SSDI benefits are expected to increase through a Cost-of-Living Adjustment (COLA) in 2025, similar to the 8.7% COLA in 2024. This will impact not only monthly SSDI benefit payments but also income thresholds for SGA and TWP.
• Potential Policy Changes: Some lawmakers have proposed changes to make it easier for SSDI recipients to transition back into the workforce. This could include more flexible income limits or longer trial work periods, though no official changes have been made yet.

Example:
If COLA increases SSDI benefits by another 5% in 2025, the SGA limit for non-blind recipients could rise to approximately $1,530 per month. This would allow recipients to earn more while keeping their benefits.

How to Stay Within the Limits and Avoid Losing Your SSDI Benefits

If you want to work while receiving SSDI, it’s essential to carefully track your earnings and stay informed about income limits and TWP months. Here are some tips to help:

• Monitor Your Earnings Monthly: Keep a close eye on your earnings to ensure they don’t exceed the SGA limit unless you’re in a trial work month.
• Keep Detailed Records: Document your hours worked, pay stubs, and communication with employers to provide accurate information if requested by the SSA.
• Consult with a Disability Attorney: If you’re unsure about how much you can earn or how working might impact your SSDI benefits, consult with a disability attorney. They can guide you through the rules and help you navigate the TWP and EPE periods.

Example:
A warehouse worker who wants to return to part-time work can benefit from legal guidance to ensure they understand the TWP and EPE limits. This helps them avoid unintentionally exceeding the SGA limit and losing their benefits too soon.

Conclusion: Disability Law Group Can Help You Navigate Working While on SSDI

If you’re considering going back to work while receiving SSDI benefits, you don’t have to navigate the process alone. The rules can be complex, and one mistake could jeopardize your benefits. At Disability Law Group, we have the expertise to help you understand how much you can earn, when to use your Trial Work Period, and how to protect your benefits long-term.

Contact us today for a free consultation, and let us help you work while keeping the SSDI benefits you rely on.

Since the COVID-19 pandemic began, millions of people have struggled with lingering symptoms long after their initial recovery. This condition, known as Long COVID or post-acute sequelae of SARS-CoV-2 infection (PASC), can leave individuals unable to work for months—or even years. As a result, many are turning to Social Security Disability Insurance (SSDI) for financial relief.

In this blog, we’ll explore how to qualify for SSDI with Long COVID, the challenges claimants may face, and how to build a strong case. If you or a loved one is dealing with Long COVID, understanding the SSDI process can help you get the benefits you need.

What Is Long COVID?

Long COVID refers to a range of symptoms that persist for weeks, months, or even years after the initial COVID-19 infection. These symptoms can significantly impair a person’s ability to function in daily life or perform work-related tasks. Common symptoms include:

• Fatigue: Persistent tiredness that doesn’t improve with rest.
• Cognitive Impairments (“Brain Fog”): Difficulty concentrating, memory lapses, or confusion.
• Shortness of Breath: Ongoing respiratory problems even after the infection clears.
• Chest Pain and Heart Palpitations: Symptoms that can affect physical activity and exertion.
• Joint and Muscle Pain: Chronic pain or stiffness that can make physical tasks difficult.

Example:
A teacher who contracted COVID-19 may continue to experience severe fatigue, brain fog, and respiratory problems long after the infection. These symptoms prevent them from maintaining the focus, stamina, and energy required to manage a classroom, thus impacting their ability to return to work.

How to Qualify for SSDI with Long COVID

Qualifying for SSDI requires that your condition meets the Social Security Administration’s (SSA) definition of a disability. To be eligible, you must:

• Have a condition that prevents you from engaging in substantial gainful activity (SGA). In 2024, the SGA threshold is $1,470 per month. If you are earning more than this amount, you likely will not qualify for SSDI.
• Show that your condition has lasted, or is expected to last, at least 12 months. Long COVID can be unpredictable, but if your symptoms have persisted for a year or more, you may meet this criterion.
• Have enough work credits. Generally, you need 40 work credits (with 20 earned in the last 10 years) to qualify, though younger workers may need fewer credits.

Example:
A healthcare worker who contracted COVID-19 in 2020 and has been unable to return to work since may have accumulated enough work credits to qualify for SSDI. If their symptoms have persisted beyond 12 months, they could be eligible for benefits.

What Medical Evidence Do You Need?

When applying for SSDI with Long COVID, medical evidence is critical. Because the symptoms of Long COVID can vary widely and affect multiple systems in the body, it’s important to provide comprehensive documentation that outlines how the condition affects your ability to work.

Key Medical Evidence for Long COVID SSDI Claims:

• Doctor’s Reports: Detailed evaluations from your primary care physician, specialists, and any other healthcare providers treating your Long COVID symptoms.
• Lab Tests and Imaging: While there’s no specific test for Long COVID, results that show lingering effects on your lungs, heart, or other organs can support your claim.
• Symptom Tracking: Keeping a daily journal of your symptoms, their severity, and how they impact your daily activities can provide additional support.
• Mental Health Records: If you experience cognitive or mental health symptoms like anxiety, depression, or brain fog, be sure to include records from therapists or psychiatrists.

Example:
A claimant with Long COVID may have medical records from their pulmonologist detailing ongoing shortness of breath, chest X-rays showing lung damage, and notes from their neurologist on cognitive impairments. These pieces of evidence collectively demonstrate the disabling nature of their condition.

The Challenges of Proving Long COVID as a Disability

One of the biggest challenges for Long COVID claimants is that the SSA has not yet created a specific listing for the condition in its Blue Book of qualifying impairments. This means you must show that your symptoms are severe enough to qualify under existing conditions or demonstrate that you are unable to perform any type of work due to your symptoms.

Tips for Strengthening Your SSDI Claim for Long COVID:

• Link Your Symptoms to a Listed Condition: If your Long COVID symptoms align with an existing impairment in the SSA’s Blue Book—such as chronic fatigue syndrome, respiratory issues, or cardiovascular impairments—you may be able to qualify under those listings.
• Provide Detailed Descriptions of Functional Limitations: Explain how Long COVID limits your ability to perform specific work tasks, such as lifting objects, concentrating for extended periods, or standing for long shifts.
• Show the Long-Term Nature of Your Condition: Many people recover from COVID-19 after a few weeks, so the SSA may question whether your symptoms are truly long-term. Medical records documenting ongoing treatment and lack of improvement over time are essential.

Example:
A claimant who experiences debilitating fatigue and cognitive impairments due to Long COVID might qualify under the listing for chronic fatigue syndrome or neurocognitive disorders if their symptoms match those criteria.

Changes to SSDI for Long COVID in 2024 and Beyond

As awareness of Long COVID grows, the SSA may update its policies to better address this condition. Some key changes or considerations for 2024 and beyond include:

• Increased Awareness Among Medical Providers: Doctors and specialists are becoming more familiar with Long COVID, which means more accurate diagnoses and treatment plans that can support your SSDI claim.
• Potential Blue Book Updates: It’s possible that the SSA will eventually create a specific listing for Long COVID or adjust existing listings to better accommodate the condition.
• Greater Emphasis on Functional Limitations: The SSA may place more weight on functional capacity evaluations, which assess your ability to perform basic work tasks, regardless of your diagnosis.

What to Do If Your SSDI Claim for Long COVID Is Denied

If your initial application for SSDI is denied, don’t panic. Many claims—especially those for new or evolving conditions like Long COVID—are denied on the first try. The key is to appeal the decision and provide additional evidence to strengthen your case.

• File a Request for Reconsideration: This is the first step in the appeals process. You can submit more medical records, updated test results, or letters from your healthcare providers to support your claim.
• Request a Hearing with an Administrative Law Judge (ALJ): If your reconsideration is denied, the next step is a hearing before an ALJ, where you can present your case and provide testimony about how Long COVID affects your daily life.

Example:
A claimant who was denied SSDI for Long COVID may request reconsideration and submit additional documentation from their doctor showing that their symptoms have worsened over time, preventing them from returning to their previous job.

We Can Help You Get the Benefits You Deserve

If Long COVID has left you unable to work, you may be eligible for SSDI benefits. However, proving your case can be challenging without the right evidence and guidance. At Disability Law Group, we understand the complexities of Long COVID and how it affects your ability to earn a living.

Our team of experienced attorneys is here to help you build a strong case and fight for the benefits you deserve. Contact us today for a free consultation, and let us guide you through the SSDI application or appeals process.