In the United States, there are two key financial support schemes for people who are unable to work due to serious health issues — Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). These programs help people facing long-term medical conditions by offering them monthly financial assistance. But to qualify, one must meet specific rules set by the Social Security Administration (SSA).
Simply having a health problem isn’t enough to get benefits. The SSA has strict rules, and you must prove that your condition makes it impossible for you to do any regular job and that it will last for at least 12 months or could even result in death.
The SSA has a detailed list called the “Listing of Impairments”, which includes medical conditions that usually qualify someone for disability benefits. But even if your illness is not mentioned in the list, you can still get approved — provided you have enough proof to show that your condition is serious and limits your ability to work.
Which Medical Conditions Are Most Common?
The SSA divides illnesses into different categories. Some of the more commonly approved health issues include:
- Musculoskeletal problems, like severe arthritis, advanced scoliosis, or degenerative spinal disorders. These conditions affect the bones, joints, and muscles, and can make standing or moving difficult.
- Heart-related diseases, such as congestive heart failure or coronary artery disease, can qualify if they severely affect your energy levels and ability to carry out even light work.
- Mental health disorders are also included. If a person suffers from major depression, schizophrenia, bipolar disorder, or post-traumatic stress disorder (PTSD), and these conditions disrupt their daily life, they may be eligible for benefits.
- Neurological disorders like multiple sclerosis (MS), epilepsy, or Parkinson’s disease may qualify, especially if they impact memory, movement, or coordination.
- Serious health conditions such as late-stage cancers, advanced HIV/AIDS, and autoimmune disorders like lupus are also on the SSA’s list.
- Lung-related problems, including chronic obstructive pulmonary disease (COPD) and pulmonary fibrosis, may qualify if they greatly reduce your ability to breathe properly and carry out basic tasks.
How the Application Process Works
Applying for SSDI or SSI is not a simple one-step form. It involves submitting complete medical records and other paperwork to prove your disability. Every application is reviewed carefully, with attention to your symptoms, your doctor’s reports, test results, and how your condition affects your work capacity.
It’s also important to know that this process can take time. Many people don’t get approval on their first attempt, but that doesn’t mean it’s over. You can appeal the decision, and sometimes that’s where many applicants finally succeed. Having the support of a lawyer or a professional who knows how the system works can make the process smoother and increase your chances.
Getting financial help through SSDI or SSI can make a big difference in the life of someone who can no longer work due to illness. While the process may seem long and complicated, understanding which conditions qualify and being prepared with strong medical evidence can help you stand a better chance. And remember — even if your condition isn’t listed, you may still be eligible if you can show how it limits your daily life.
