How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

Unable to sit down, stand up, or lay down for long periods of time due to back pain, a bone spur, and bulging discs from a car accident--will I qualify for disability?

I was in a car accident in July. I ended up with a bone spur in my neck and 2 bulging disks. I have a lot of back pain from this daily. I was working 40+ hours a week since July because we needed the money to survive. I have recently had to change jobs and go to a place where I am only required to work 24 hours a week. I can not sit down, walk, stand up or lay down for long periods of time.

I was wondering if I would qualify for benefits. I was also wondering if I would be able to get some insurance. I had insurance at my other job but I lost it when I had to leave. Thank you in advance for all of your help.

Social Security Disability entitlement has two basic components: having a severe mental or physical disabling condition (per the Social Security definition of disability, and the inability to perform SGA, i.e. work and earn at least a certain amount each month. SGA stands for substantial gainful activity and it is basically is a monthly earnings limit that changes from year to year. In 2015, the SGA limit was set at one thousand and seventy dollars per month. To see the current limit: current SGA earnings limit.

Even if you are working only 24 hours weekly, your pay could still put you over the monthly SGA limit. This would mean your disability claim would be denied on the basis of your ability to work and perform SGA with no consideration given to your disabling condition.

Also, there is no insurance provided by Social Security unless you are approved for disability benefits. Even then, Medicare entitlement will begin two years from the date you become entitled to monthly disability benefit.

Note: this does not necessarily mean that a person who has been approved for disability benefits will have to wait two years to get medicare coverage. If their onset date was established far enough back (via the information contained in their medical records), it may be that they have served out the two year medicare waiting period. Also, individuals who are approved for SSI disability only (some individuals will be awarded concurrent benefits, meaning that they will receive both SSD and SSI) will not receive medicare, but medicaid benefits.

I know that this does not help much, but at least it may help you to understand the process a bit. Please feel free to ask other questions.

Essential Questions

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Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

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Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state

Most popular topics on SSDRC.com

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The listings, list of disabling impairments

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Disability Lawyers prevent unnecessary denials

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How to apply for disability for a child or children

Filing a Social Security Disability SSI application

Filing for disability - when to file

How to apply for disability - where to apply

Qualifications for disability benefits

How to Prove you are disabled and Win your Disability Benefits

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Related pages:

Social Security Disability SSI and Degenerative Disc Disease
Are Social Security Disability Claims Based On Back Pain Usually Turned Down?
How many Social Security Disability cases are approved for back pain?
Get your pain symptoms on record so that Social Security can take this into consideration
Never minimize your pain or other symptoms because this can be used against you
Will I qualify for disability due to back pain, a bone spur, and bulging discs?
Degenerative Disc Disease, Social Security Disability, and Applying for Benefits
Degenerative joint disease and Filing for Disability
Herniated Slipped Disc and Filing for Disability
Facts about Lumbar Fusion and Filing for Disability
Facts about Spinal Fusion and Filing for Disability

These pages answer some of the most basic questions for individuals who are considering filing a claim.

Can you get temporary Social Security Disability or SSI benefits?

Permanent Social Security Disability

What is the difference between Social Security Disability and SSI?

Who is eligible for SSI disability?

Can I Be Eligible For SSI And Social Security Disability At The Same Time?

What makes a person eligible to receive disability benefits?

Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?

What happens if I file a disability application and it is denied by a disability examiner or Judge?

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.