A person must be medically-unable to work to qualify for Social Security Disability Insurance

By: Darrell Castle

Disability, under Social Security Administration rules, means you are UNABLE to work because of your medical condition.

Social Security Disability is NOT an employment compensation plan. It’s not a plan that will compensate you if you’ve lost your job and are facing bad economic times. No, you must be unable to work because of a medical condition.


We often see clients who want to apply for Social Security Disability Insurance but they either work or they are ABLE to work, but can’t find a job, or aren’t trying to.

With that said, it’s still possible to earn income and qualify for Social Security Disability Insurance. But, your income has to be LESS than $1,070 per month, on average.

The Social Security Administration maintains a list online of severe medical conditions. If you have one of these medical conditions on the list, then you’re medically qualified and automatically disabled.

If you have a medical condition that’s not on the list, you can still qualify for disability if the condition interferes with basic work activity, keeping you from working and earning income.

How can you apply for Social Security Disability Insurance?

I advise you to contact an experienced Social Security Disability Insurance attorney.

You can also do it yourself, but it’s tough.

You can go online to the Social Security Administration website to complete your application. These long and complicated forms include the application, a questionnaire and a list of things you need.

Up to 70% of initial applications are denied when people try it for themselves. Again, the applications are long, complex and full of legal jargon. If you are missing any information, it will probably be denied.

An experienced attorney understands all of the legal jargon and knows what it takes to be successful. The attorney receives no money unless the application is successful. And then, the attorney only receives a small percentage of the past-due benefits, not your benefits moving forward.

So, it’s relatively cheap and extremely effective to hire an attorney for your application process.

What if your application is denied?

If your application is denied, either with or without an attorney during the application process, then you have 60 days from the date of the denial letter to appeal. 

If you haven’t hired an attorney by this point, I seriously advise you to. This process is very complicated – the form is thicker and the success rate without an attorney is even smaller.

I’ve created two FREE reports that you can download from my website. This one talks about the entire Social Security Disability Insurance process and this one is a guide to the appeals process.

Darrell Castle & Associates has handled Social Security Disability Insurance applications for a long time with a lot of success and we’d love to help you.

Call (901) 327-1212 to schedule a free consultation with an experienced attorney, or fill out one of the contact forms on this page to have one contact you.