The Five Steps Social Security Uses to Decide if You Have a Disability By Thomas Bothwell Social Security offers benefits to people who cannot work because of health problems. That sounds simple enough. But the qualifications for an official “disability” aren’t so simple. And winning benefits is downright hard. Most people get denied when they first apply. Then they face a multistep appeal, including a hearing before a Social Security administrative law judge. After their hearings, people only win benefits 44 percent of the time, according to early 2017 numbers from the Social Security Administration. If you or someone in your family is going through this process, it can help to learn the five steps Social Security uses to decide what counts as a disability . At each step in the process – which Social Security calls the “Sequential Evaluation Process (SEP) for Assessing Disability” – claims examiners apply a different test to determine if you have a disability. The basic definition of a disability is well known: • • • •
You cannot work because of your health. You cannot do the work you did before. You cannot adjust to other work because of your medical conditions. And your disability has lasted or is expected to last at least one year or result in death.
But at every step in the determination process, Social Security examiners could accept or reject your claim based on that on factor, or decide to pass your case to the next step. Your Disability Case One Step at a Time Here are the five steps Social Security puts your disability claim through: Step #1: Are you working? In this step, Social Security checks any income you have from work. For 2017 Social Security says earnings of more than $1,950 a month for those who are blind and earnings of more than $1,170 a month for other disability applicants disqualify your application. If you’re not able to work enough to earn this much, then your application goes to the next step. Step #2: Is your physical or mental condition severe?