Steps to Apply for SSDI if You Were Diagnosed with Cancer

Understand the SSA’s Criteria for Cancer

The SSA recognizes that cancer, depending on its type, severity, and stage, can qualify an individual for SSDI benefits. The SSA has a Listing of Impairments for cancer that outlines the specific criteria under which different types of cancer are considered for disability benefits. Some cancers that may be listed include:

• Lung Cancer
• Breast Cancer
• Leukemia
• Lymphoma
• Colon Cancer
• Pancreatic Cancer

To qualify for SSDI, your cancer must meet one of the SSA’s listed impairments, or you must show that the cancer severely limits your ability to work, both in the short and long term. If your cancer is inoperable or has metastasized (spread to other parts of the body), you may be eligible for SSDI benefits.

Gather Comprehensive Medical Documentation

When applying for SSDI due to cancer, solid medical evidence is crucial in proving the severity of your condition and its impact on your ability to work. Here’s how to prepare your medical documentation:

• Cancer Diagnosis: Provide detailed records from your healthcare providers that confirm your diagnosis, including biopsy reports, imaging results, and lab tests.
• Treatment Records: Include records of all treatments you’ve undergone, such as chemotherapy, radiation, surgeries, and other cancer-related therapies. The SSA will want to know how treatment has impacted your ability to work.
• Doctor’s Statement: A letter from your treating physician explaining how your cancer and treatment affect your ability to perform daily activities and work can strengthen your claim. The doctor should outline the severity of your condition and limitations.
• Specialist Consultations: If you’ve seen oncologists or other specialists, make sure to include their evaluations and notes.

Complete the SSDI Application Accurately

The application process for SSDI requires careful attention to detail. Be thorough and accurate when completing your application to avoid delays or denials. Here’s how to get started:

• Apply Online: You can apply for SSDI through the SSA’s online portal at www.ssa.gov. The online application is the most efficient way to submit your claim.
• Provide Detailed Information: Be specific about how cancer affects your daily life and work abilities. The SSA will need to know the nature of your cancer, your treatment plan, any side effects you’re experiencing, and how these factors limit your ability to function.
• Submit Required Documents: Make sure to submit all required medical documentation, including test results, treatment histories, and your doctor’s opinions.

Know the SSA’s Disability Evaluation Process

The SSA evaluates all claims for SSDI benefits using a five-step process. It’s important to understand how your cancer will be evaluated:

• Substantial Gainful Activity (SGA): If you are working and earning above a certain income threshold, the SSA may decide you are not disabled.
• Severe Condition: Your cancer must significantly limit your ability to perform basic work tasks.
• Listed Impairment: The SSA has specific listings for different types of cancer. If your cancer meets the listing, you will be presumed to be disabled.
• Past Work: The SSA will evaluate whether you can still perform your previous job given your cancer diagnosis and treatment.
• Other Work: If you cannot do your past work, the SSA will assess whether you can perform any other work based on your age, education, and remaining abilities.

Follow Up and Stay Organized

Once you’ve submitted your SSDI application, it’s important to stay on top of the process. Keep track of all correspondence and follow up as needed:

• Create an SSA Online Account: This allows you to monitor the status of your claim and check if additional information or documentation is needed.
• Stay Organized: Keep copies of all documents you submit, including medical records and correspondence with the SSA.
• Respond Promptly: If the SSA contacts you for additional information, respond as quickly as possible to avoid delays.

Be Prepared for a Denial

It’s common for SSDI claims to be denied, even with a serious condition like cancer. If your claim is denied, don’t give up. You have the right to appeal the decision. Here’s how to proceed:

• Request Reconsideration: If your claim is denied, you can request a reconsideration, which involves the SSA reviewing your case again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ), where you can present your case in person.
• Provide Additional Evidence: If you’re appealing, make sure to submit any new medical evidence, updated treatment records, or additional documentation that strengthens your case.

Consider Legal Help if Needed

While you can apply for SSDI on your own, working with a disability lawyer can improve your chances of success, especially if your case is complex. A lawyer can help in several ways:

• Gathering Medical Evidence: A lawyer can assist in collecting the necessary medical records, treatment histories, and doctor’s opinions to support your claim.
• Navigating the Appeals Process: If your claim is denied, a lawyer can represent you during the reconsideration and hearing stages, improving your chances of winning.
• Ensuring Accuracy: A lawyer can ensure that your application is complete and accurate, reducing the chances of delays or denials.