Social Security offers insurance for people who the federal entity deems disabled to the point where their ability to work is restricted.

But how do you know if you’re considered disabled?


Below we review Social Security’s five-step process to determine disability.


First, Social Security determines whether you are currently employed. Social Security’s definition of disability is directly tied to whether or not the person is able to work. If you are working and earning more than $1,180 in gross wages per month, you cannot be considered disabled by Social Security.


If you are not working then you move on to step two: determining whether you have what Social Security considers a severe impairment. This severe impairment must last more than twelve months and cause more than minimal limitation in your ability to work on a daily basis.


Step three is classifying your severe impairment against Social Security’s list of very specific criteria for every kind of disability. If your condition is so severe that it meets those criteria then you are automatically found disabled and eligible for benefits. However, most people do not get their claims approved at this stage.


If your condition does not meet the specific list of criteria, Social Security then attempts to determine whether or not you would be able to do the same work you’ve done over the past 15 years with your severe impairment. If it can be proven, with medical evidence, that you cannot perform the same work you’ve done over the past 15 years, then you move on to the final step of the process.


Step five of Social Security’s process is to determine whether you would be able to do anytype of work on a full-time basis based on your limitations. If it is determined that you cannot perform any job with your limitations, you will qualify as disabled. Watch the video to learn more about this five-step process


If you have additional questions about whether you qualify as disabled under Social Security, call us at 508-732-8989.  I welcome your call.


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