What Qualifies as a Disability?

For most long-term and short-term disability claims, employees’ insurers require that disabled workers file for Social Security Disability Insurance (SSDI). This way, they can offset the amount of money you receive from Social Security against the LTD/STD payments. SSDI has two primary criteria for what qualifies as a disability: 1) You must be entirely unable to perform any substantial occupational tasks as a result of your condition, and 2) Your medical conditions are expected to last at least one year or to result in your death. 

Am I Eligible for Social Security Disability Insurance?

If you have worked and paid into Social Security for a necessary period, then the only other requirements include:

  • Having little to no income
  • Meeting the disability criteria listed above
  • Not performing what is considered substantial work by the SSA

As long as you meet the above requirements, you should be eligible for SSDI; however, more information will be requested to ensure that your disability is legitimate. You will have to provide information on your disability, its genesis, how the condition limits your everyday activities, and objective proof of treatment like a written statement from your doctor and official medical tests. 

What to Do After an SSDI Denial

Unfortunately, it usually seems that the goal of insurance companies is to find any holes in your claim so they can deny coverage and save money. So, if you have experienced an SSDI denial based on your medical condition and other requirements, the best course of action is to bring in the long-term disability lawyers in Philadelphia, PA, from Rosen Moss Snyder LLP. They can advise you on the appeals process and provide legal representation when needed. 

The disability claims process is meant to be straightforward and accessible to all US citizens, but that is rarely the case. With qualification nitpicking and medical discrepancies, filing for disability has become a complicated and drawn-out process for many disabled individuals. Fortunately, the Philadelphia ERISA disability attorneys at Rosen Moss Snyder LLP understand how employer disability insurance and SSDI operate and can lead you all the way to claim approval. Call us today to learn more about our legal services for disability qualification.

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