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Heart trouble, arthritis and back issues and SSDI

Unfortunately, with the aging population the cost to provide disability benefits has sky-rocketed. In fact, according to the US Department of Health and Human Services, costs have now exceeded an estimated $300 billion annually in the United States. So what are the most common causes of disability within the aging population? According to the HHS, “the three most common causes of disability continued to be arthritis or rheumatism (affecting an estimated 8.6 million persons), back or spine problems (7.6 million), and heart trouble (3.0 million).”



common-disability-benefits-questions

So what do you do if you are one of the millions of workers who are suffering from heart trouble, spine issues or arthritis? What do you do if you can no longer work? Failure to take the right steps can jeopardize your ability to get help through the Social Security Disability Insurance process.

Getting SSDI benefits for heart trouble, rheumatoid arthritis and back problems


 

So what do you do if you need benefits for one of the conditions listed above such as heart trouble? Are there steps you can take to improve your chances of getting SSDI?

1. Get great medical care

The first step to receiving benefits for a condition such as heart trouble is to get good medical care. This includes a diagnosis, prognosis, and the appropriate heart trouble tests. The SSA will determine whether or not your condition is serious enough for SSDI by reviewing your medical records. If you have no medical evidence to support your case or you have not been to the doctor, it will difficult to win benefits.

2. Understand what it means to be disabled.

Next, you must understand whether your condition meets the qualifications for SSDI benefits. For instance, if you have heart trouble or back issues you will need to prove they are so severe you are unable to work for at least 12 continuous months. If you are able to work and earn what the SSA considers a substantial wage you will not be considered disabled, regardless of the severity of your condition.

3. Review your earned work credits

If you have done the first two steps you will next need to determine if you have sufficient credits to qualify for SSDI benefits. Credits are accumulated by working and paying employment taxes. If you have not worked enough or generated enough work credits you will not qualify for SSDI benefits. Credits cannot be bought or borrowed. They must be earned on your own work record.

4. Review the requirements for your condition

Many claimants ask how the SSA will determine if their condition such as heart trouble is severe enough to be considered disabling. If you have heart trouble, severe back issues or rheumatoid arthritis you need to review the listing in the SSA listing of impairments. This is a list used by the SSA to document conditions and the corresponding symptoms they believe are automatically disabling.

If your condition is listed and your symptoms are as severe as the listed symptoms you should qualify for benefits, assuming you meet the nonmedical requirements and have medical evidence.

So what’s the bottom line? If you have heart trouble, rheumatoid arthritis or back issues there may be help for you. Take the steps listed above and talk to a SSA disability specialist.