Can PTSD Qualify for SSDI or SSI?

Yes, Post-Traumatic Stress Disorder (PTSD) can qualify for both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits, depending on your situation. However, to qualify for either of these programs, you must meet certain criteria established by the Social Security Administration (SSA).

• SSDI: If you’ve worked and paid into Social Security for a certain number of years and have earned enough work credits, you may qualify for SSDI benefits.
• SSI: If you have a limited income and resources and have not worked enough to qualify for SSDI, you may still be eligible for SSI benefits, which are based on financial need.

How Does the SSA Evaluate PTSD for Disability Benefits?

The SSA evaluates disability claims using a specific set of criteria outlined in the Listing of Impairments. PTSD is considered a mental disorder, and the SSA has a specific set of guidelines for evaluating mental conditions, including PTSD.

To qualify for disability benefits with PTSD, you must show that your condition meets the SSA’s requirements for severity. Here are the key factors the SSA will consider when evaluating PTSD claims:

• Severity of Symptoms: The SSA will look at the severity of your symptoms, including flashbacks, nightmares, intrusive thoughts, severe anxiety, and difficulty functioning in social and work settings.
• Functional Limitations: The SSA will assess how your PTSD symptoms interfere with your ability to perform work tasks. This includes whether you can manage a regular work schedule, maintain relationships with coworkers, or cope with stress.
• Duration of the Condition: To qualify for SSD benefits, your PTSD must be expected to last for at least 12 months or result in death. If your symptoms have been severe and long-lasting, you will have a stronger case.

What Does the SSA Look for in Your Medical Records?

To qualify for SSDI or SSI with PTSD, solid medical evidence is crucial. You must provide documentation from a healthcare provider that demonstrates the severity of your condition and its impact on your ability to function. Here’s what the SSA will look for in your medical records:

• Diagnosis: A formal diagnosis of PTSD from a licensed healthcare professional, such as a psychiatrist or psychologist.
• Treatment History: Records showing that you’ve sought treatment for PTSD, including medications, therapy, and counseling. The SSA will want to see that you’ve made efforts to manage your condition.
• Medical Observations: Detailed notes from your healthcare provider describing the severity of your symptoms and how they impact your ability to function in daily life and at work.
• Functional Limitations: A statement from your doctor explaining how PTSD affects your ability to perform work-related tasks, interact with others, and complete daily activities.

How to Apply for Disability Benefits for PTSD

If you believe you are eligible for Social Security Disability benefits due to PTSD, here’s how you can apply:

• Step 1: Gather Your Medical Records: Collect documentation of your PTSD diagnosis, treatment, and any supporting information from your healthcare providers.
• Step 2: Complete the SSDI or SSI Application: You can apply online through the SSA’s website at www.ssa.gov, or you can apply in person at your local SSA office or over the phone by calling 1-800-772-1213.
• Step 3: Be Honest and Detailed: When filling out the application, be thorough and honest about your PTSD symptoms and their impact on your ability to work. Don’t leave out any details about how your condition affects your daily life.
• Step 4: Submit Supporting Evidence: Ensure that you provide the necessary medical records and supporting documents, including treatment history, doctor’s statements, and any other evidence that backs your claim.

Can I Be Denied for PTSD?

It is possible to be denied for disability benefits for PTSD, especially if the SSA feels that the severity of your symptoms does not meet their guidelines. However, denials are common, and many people are able to win their claims after an appeal.

Common reasons for denial include:

• Insufficient Medical Evidence: If you do not have enough documentation or your medical records don’t show that your PTSD is severe enough to prevent you from working, your claim may be denied.
• Failure to Meet Duration Requirements: If the SSA believes your symptoms are temporary and do not meet the required 12-month duration, your claim may be denied.



If your claim is denied, you have the right to appeal the decision. The appeal process may involve requesting a reconsideration, attending a hearing before an Administrative Law Judge (ALJ), and submitting additional medical evidence.