Understand SSDI and SSI

Before applying for Social Security Disability benefits, it's important to understand the difference between SSDI and SSI:

• Social Security Disability Insurance (SSDI): If you have worked and paid into the Social Security system for a certain number of years, you may qualify for SSDI. This program is based on your work history.
• Supplemental Security Income (SSI): If you have limited income and resources, regardless of your work history, you may qualify for SSI. This program is designed for those with financial need.
• To qualify for SSDI, you need to meet the work credit requirements. For SSI, eligibility is based on financial need.

Meet the SSA’s Definition of Disability for Arthritis

For arthritis to qualify for Social Security Disability, your condition must meet the Social Security Administration’s (SSA) definition of disability. The SSA defines disability as a condition that:

• Prevents you from working for at least 12 months or is expected to result in death.
• Limits your ability to perform basic work tasks like standing, walking, lifting, and carrying out job duties.

The SSA evaluates arthritis under two categories: musculoskeletal disorders and joint disorders, and there are specific criteria you must meet to be approved for disability benefits. To qualify for benefits, you must demonstrate that your arthritis is severe enough to meet the SSA’s criteria, which may include:

• Significant joint damage or deformities.
• Inability to perform basic work functions (e.g., standing or sitting for long periods, using your hands for repetitive tasks).

Provide Medical Documentation

The most important part of your Social Security Disability application is providing solid medical documentation that proves your arthritis is severe enough to prevent you from working. Here’s what you need:

• Medical Records: Provide detailed records from your treating physician(s) showing the diagnosis of arthritis, along with any treatments you’ve undergone.
• X-rays, MRIs, or Other Imaging Reports: The SSA requires medical evidence to prove the severity of your arthritis. Imaging results like X-rays or MRIs showing joint damage can be critical in supporting your claim.
• Treatment History: Include documentation of any medications, physical therapy, or other treatments you’ve received for your arthritis, and show whether these treatments have been effective.
• Doctor’s Statement: A letter from your doctor explaining the severity of your arthritis and how it affects your ability to work is highly beneficial. The doctor should specifically describe your functional limitations, such as difficulty with standing, walking, lifting, or performing fine motor tasks.

Complete the SSDI or SSI Application

Once you have your medical records in place, it’s time to complete the Social Security Disability application. You can apply for SSDI or SSI online, over the phone, or in person at your local Social Security office. Here’s how to proceed:

• Step 1: Gather All Necessary Documents: Before starting your application, make sure you have all required documentation, including your medical records, work history, and financial information (for SSI applicants).
• Step 2: Complete the Application: You can apply online at www.ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. When filling out the application, be as thorough and accurate as possible.
• Step 3: Be Honest and Detailed: It’s important to provide an honest, detailed description of how your arthritis affects your ability to work. Include specifics about your physical limitations and how they prevent you from performing daily activities.
• Step 4: Submit All Required Documents: Ensure that all medical records, employment history, and other necessary documents are submitted with your application. Missing documents can delay the process or result in a denial.

Wait for a Decision

After submitting your application, the SSA will review your case. The process can take several months, but the SSA will assess whether you meet the disability requirements for arthritis. During this time, you may be asked to provide additional information.

It’s essential to keep track of any communications from the SSA and respond promptly to avoid delays.

What to Do If Your Claim Is Denied

It’s common for Social Security Disability claims to be denied, even if you meet the eligibility requirements. If your arthritis claim is denied, don’t get discouraged — you have the right to appeal. The appeal process includes:

• Requesting Reconsideration: If your claim is denied, the first step is to request a reconsideration. The SSA will review your case again, potentially with new evidence.
• Requesting a Hearing: If the reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your opportunity to present your case in person, which is often a critical step in getting approved.
• Providing Additional Evidence: If your claim is denied, it’s important to provide any new medical records or additional evidence that could strengthen your case.