Do I Qualify for Social Security Disability Benefits?

Since Social Security is a government-subsidized program, the answer to this question is never simple. Basically, Social Security disability benefits are intended for those who cannot work, or at least cannot work enough to get by each month.

If left to that definition, of course, many more people would be receiving Social Security disability benefits. The part that prevents some from being approved is that Social Security has what they call "the listing," which is simply a list on paper of the medical problems that qualify and their severity. It is the government's way of categorizing something that is very difficult to categorize.

This presents two hurdles to anyone interested in receiving Social Security benefits. First, you have to present evidence that you meet the listings; or that you cannot work, or at least enough to support yourself. This evidence is usually in the form of medical records. The problem with this is that many people cannot afford to see a doctor, which is why they are applying in the first place. Second, many applicants don't fit nicely into a certain category, or listing. For instance, what if a person has a minor physical disability that, by itself, does not entirely disqualify them from employment. But they also have a mental disability, and the combination makes it very difficult to work. This person may still qualify under Social Security's rules.

There are two ways to find out if you meet their listings. First, you can check with a Social Security disability attorney. They can usually let you know within minutes if you qualify. They will likely ask you the following questions:

What is your age?

What prevents you from working? (List your medical problems)

How long have these problems been going on?

Are you currently working? If so, how many hours/week?

How long have you been working/not working?

What jobs have you held previously?

What doctors have you seen? How long have you seen him/her?

What has your doctor said about you working or applying for Social Security? *

(*This is an important question, because if your doctor is supportive of your receiving benefits, you'll likely have good medical evidence of your disability. However, if he/she is not supportive, you still have the option of getting another medical opinion.)

The second option is to contact Social Security directly and ask if you qualify. They will likely ask you many of the same questions. However, you may not get an answer right away. The worker will probably want to see more information from your doctor and/or employer and have you complete an application. (For information about applying for Social Security, see my blog on the application process.)

So, do you qualify for Social Security disability benefits? If you're having a difficult time working, the answer may be yes. Now that you know how to find out, don't hesitate. It's a long and paperwork-filled road, but it is possible. And definitely worth it.