Understand the Disability Requirements for SSDI and SSI

There are two main types of disability benefits that you may be eligible for:

• SSDI: If you’ve worked for a certain number of years and have paid into Social Security through payroll taxes, you may qualify for SSDI. The eligibility for SSDI is based on your work history and the number of work credits you’ve earned.
• SSI: If you have limited work history or your income is low, you may qualify for SSI benefits, which are based on your financial need rather than your work history.

Both SSDI and SSI require that your disability prevents you from working for at least 12 months or is expected to result in death.

How Losing a Limb Qualifies You for Disability Benefits

The Social Security Administration (SSA) has a Listing of Impairments that includes conditions that automatically qualify for SSDI or SSI benefits. Losing a limb can be considered a disability under certain circumstances, particularly if the amputation severely limits your ability to perform basic work functions.

The SSA’s Listing of Impairments includes "Amputation of a Limb" as a condition that may qualify for benefits. If you have lost a limb and can no longer perform any substantial gainful activity, your condition may qualify under the following:

• 1.02 – Major Dysfunction of a Joint(s): If the amputation results in limited movement of the remaining joint, and you can no longer function at a substantial level, this condition may qualify for benefits.
• 11.00 – Musculoskeletal Disorders: This listing includes amputations and may apply if the loss of a limb prevents you from doing your previous work or any other type of work.

If you’re unable to work because of the loss of a limb and meet the medical criteria, you may qualify for benefits under these impairments.

Steps to Apply for Disability After Losing a Limb

If you believe that you qualify for SSDI or SSI after losing a limb, follow these steps:

Step 1: Gather Medical Documentation

The most crucial part of your disability application is medical evidence. The SSA will need to see detailed medical records that support your claim, including:

• Surgical records showing the amputation procedure.
• Doctor’s notes outlining your medical condition and how the loss of the limb affects your ability to work.
• Physical therapy records, if applicable.
• X-rays, MRI reports, and other diagnostic tests showing the severity of the impairment.

If your doctor has recommended any special equipment (like a prosthetic limb) or you’ve experienced complications, make sure to include that information as well.

Step 2: Complete the SSDI or SSI Application

You can apply for SSDI or SSI benefits either online through the SSA’s website (www.ssa.gov), over the phone, or in person at your local Social Security office. The application will require information about your medical condition, work history (for SSDI), and income (for SSI).

Here’s what you’ll need to do:

• Provide your medical history: Include details about your amputation, treatments, and any physical or mental health conditions related to the disability.
• Submit a work history: For SSDI, you’ll need to provide information about your past employment and income to prove you’ve earned enough work credits.
• Include financial details: For SSI, you’ll need to provide information about your income and assets.

Be as thorough and accurate as possible to avoid delays.

Step 3: Submit Your Application

After you’ve completed the application and gathered your medical evidence, submit it to the SSA. You can check the status of your application through your SSA online account or by contacting them directly.

What to Expect After You Apply

Once you’ve submitted your disability application, the SSA will review your case. The decision process can take several months, and you may need to provide additional documentation during this time.

In some cases, your application may be approved quickly, especially if your condition is severe and well-documented. However, many initial applications are denied. If this happens, you have the right to appeal the decision.

• Request Reconsideration: If your application is denied, you can ask for a reconsideration. The SSA will review your case again, taking into account any additional evidence you provide.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is where you will have the opportunity to present your case in person.