Living with an autoimmune disease can be challenging. These conditions often cause pain, fatigue, and other symptoms that make it hard to work. If your illness prevents you from holding a job, you might qualify for Social Security Disability Insurance (SSDI). This program provides financial help to people who can’t work due to serious health problems.
In this guide, we’ll explain:
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What autoimmune diseases are
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How SSDI works
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Which autoimmune diseases may qualify for SSDI
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How to apply for benefits
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Tips to strengthen your claim
What Are Autoimmune Diseases?
Your immune system protects you from germs like bacteria and viruses. In autoimmune diseases, the immune system attacks healthy parts of your body by mistake. This can cause inflammation, pain, and damage to organs.
Common autoimmune diseases include:
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Lupus
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Rheumatoid arthritis
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Multiple sclerosis (MS)
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Type 1 diabetes
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Inflammatory bowel disease (IBD)
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Scleroderma
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Psoriasis
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Sjögren’s syndrome
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Polymyositis and dermatomyositis
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Mixed connective tissue disease
These diseases can vary in severity. Some people have mild symptoms, while others experience serious health problems that interfere with daily life and work.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a federal program that provides monthly payments to people who can’t work due to a medical condition. To qualify, you must have worked and paid Social Security taxes for a certain period. Generally, you need to have worked at least five out of the last ten years.
SSDI is different from Supplemental Security Income (SSI), which is based on financial need. SSDI focuses on your work history and medical condition.
Can Autoimmune Diseases Qualify for SSDI?
Yes, many autoimmune diseases can qualify for SSDI if they prevent you from working. The Social Security Administration (SSA) has a list of medical conditions, called the “Blue Book,” that outlines which illnesses may qualify. Section 14.00 of the Blue Book covers immune system disorders, including autoimmune diseases.
To qualify, your condition must:
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Be severe enough to limit your ability to perform basic work activities
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Last or be expected to last at least 12 months or result in death
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Be supported by medical evidence, such as doctor’s records and test results
Even if your specific condition isn’t listed, you may still qualify if your symptoms are as severe as those in the Blue Book.
How to Apply for SSDI
Applying for SSDI involves several steps:
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Gather Medical Records: Collect all relevant medical documents, including diagnoses, treatment history, test results, and doctor’s notes.
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Complete the Application: You can apply online at the SSA website, by phone, or in person at a local SSA office.
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Wait for a Decision: The SSA will review your application and medical records. This process can take several months.
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Appeal if Denied: If your application is denied, you have the right to appeal. Many initial applications are denied, but appeals can be successful, especially with legal assistance.
Tips to Strengthen Your SSDI Claim
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Regular Medical Care: Consistent treatment from healthcare providers shows that you’re actively managing your condition.
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Detailed Documentation: Keep a journal of your symptoms, how they affect your daily life, and any side effects from medications.
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Supportive Statements: Ask your doctors to provide detailed statements about your condition and how it limits your ability to work
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Legal Assistance: Consider consulting a disability lawyer who can help you navigate the application process and improve your chances of approval.
Common Challenges and How to Overcome Them
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Invisible Symptoms: Many autoimmune diseases have symptoms that aren’t visible, like fatigue or pain. Detailed medical records and personal journals can help illustrate these challenges.
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Fluctuating Symptoms: Symptoms may come and go, making it hard to prove consistent disability. Regular documentation can show the overall impact on your ability to work.
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Denial of Initial Application: Don’t be discouraged if your first application is denied. Many people are approved during the appeals process.
Real-Life Example: Lupus and SSDI
Lupus is an autoimmune disease that can cause joint pain, fatigue, and organ damage. Applying for SSDI with lupus requires thorough medical documentation. As noted by Collins Price, individuals with lupus often face challenges when filing for disability benefits. Providing treatment records from each episode and maintaining regular follow-ups with the SSA are crucial for a successful claim. Collins Price
Additional Resources
For more information on specific autoimmune diseases and SSDI:
These articles provide detailed insights into how these conditions are evaluated by the SSA and tips for strengthening your claim.
Conclusion
Living with an autoimmune disease can be overwhelming, especially when it affects your ability to work. SSDI offers financial support to help you manage your condition and maintain your quality of life. By understanding the application process and gathering strong medical evidence, you can improve your chances of receiving benefits. Remember, you’re not alone, and resources are available to assist you every step of the way. If you’d like to discuss your claim with a local disability lawyer in North Carolina, contact our firm today for a free consultation.
Note: This article is for informational purposes only and does not constitute legal advice.
