Understand SSDI Eligibility Criteria

To qualify for SSDI, you must meet certain criteria established by the Social Security Administration (SSA). These include:

• Having worked and paid into Social Security for a certain number of years, based on your age at the time of disability.
• Proving that your MS is severe enough to prevent you from performing any substantial gainful activity (SGA) for at least 12 months.

Provide Detailed Medical Documentation

One of the most important aspects of your SSDI application is providing medical evidence that clearly shows how multiple sclerosis affects your ability to work. Here’s what you need:

• Regular Doctor Visits: Ensure that you have frequent check-ups and that all symptoms and treatments are documented.
• Comprehensive Medical Records: Gather all records of diagnostic tests, MRI results, lab work, and doctor’s notes that detail the progression of your MS.
• Doctor’s Opinion: A letter from your neurologist or other treating physicians explaining how MS impacts your work capacity can greatly strengthen your case. The more specific and detailed this letter, the better.
• Symptoms and Limitations: Document symptoms such as fatigue, vision problems, numbness, cognitive issues, and difficulty with motor skills, which can affect your ability to perform job duties.

Understand SSA’s Criteria for MS

The SSA has specific guidelines for MS under its Listing of Impairments. To qualify for SSDI, your MS must meet the following criteria:

• Disability Listing for MS: The SSA has a detailed list of symptoms and limitations that can qualify an applicant with MS for SSDI benefits.
• Severe Functional Limitations: If your MS results in severe limitations in your ability to walk, use your hands, or understand and apply information, you may qualify under this listing.
• Documenting Relapses and Remission: MS is known for periods of remission followed by relapses. If your condition causes frequent and severe flare-ups that interfere with your ability to work, this should be carefully documented.

Submit a Complete Application

Filling out your SSDI application accurately is crucial. You’ll need to:

• Apply Online: The fastest way to apply is through the SSA’s online portal.
• Be Honest and Detailed: Disclose all relevant information about your condition, medical history, work experience, and limitations. Incomplete or inaccurate information can delay your claim.
• Provide All Required Documents: Ensure that you submit medical records, work history, and any other requested documents.

Know the SSA’s Five-Step Evaluation Process

The SSA evaluates SSDI claims in a five-step process. Understanding how they assess your MS can help you provide the right information:

• Step 1: Substantial Gainful Activity (SGA): The SSA will determine if you are working and earning above a specific income threshold. If you are, you may be found ineligible for SSDI.
• Step 2: Severe Condition: Your MS must be severe enough to prevent you from working.
• Step 3: Meet a Listed Impairment: MS is listed under SSA’s impairments, but you must meet specific functional criteria.
• Step 4: Past Work: The SSA will assess if you can still perform your previous job.
• Step 5: Other Work: If you cannot perform your past work, the SSA will consider whether you can transition to other types of work given your skills, education, and age.

Follow Up and Stay Organized

Once you’ve submitted your application, keep track of its status and stay organized.

• Create an SSA Online Account: This will allow you to monitor the progress of your claim and respond to any requests for additional information.
• Call the SSA: If you haven’t received updates or need to clarify anything, reach out to the SSA at 1-800-772-1213.

Be Prepared for Possible Denial

It’s common for initial SSDI applications to be denied, even for individuals with severe conditions like MS. If you are denied:

• Request Reconsideration: This is the first step in the appeals process, where the SSA reviews your case again.
• Request a Hearing: If reconsideration doesn’t result in approval, you can request a hearing before an Administrative Law Judge (ALJ). This is an important stage where you can present additional evidence.
• Gather More Evidence: If your case is denied, gather any new medical records or documentation that may strengthen your claim.

Consider Getting Help if Needed

While it’s possible to apply for SSDI on your own, navigating the process can be complicated. A lawyer or advocate can assist with gathering medical evidence, completing paperwork, and representing you in hearings if necessary. Working with an experienced professional may improve your chances of success, especially if your case is complex.