how did private disability insurance get linked to social security benefits – Pompton Lakes

how did private disability insurance get linked to social security benefits

What Medical Conditions Qualify for Social Security Disability or SSI?

Here’s what you need to know about whether your medical condition will qualify for disability and how to apply for benefits.

The Social Security Administration’s impairment listing manual (called the blue book) lists a number of impairments, both physical and mental, that will automatically qualify an individual for Social Security disability benefits (SSDI) or Supplemental Security Income (SSI), provided the individual’s condition meets the specified criteria for a listing.

What Medical Conditions Are Listed?

The listing manual, which has been updated for 2020, includes:

For articles on getting disability for many common conditions, some of which are in the blue book and some of which aren’t, see our section on Medical Conditions, Impairments, and Problems.

How Do You Get Disability for Listed Medical Conditions?

If your disability is listed in Social Security’s Listing of Impairments, the first step is to get a diagnosis of the condition from your doctor. A mere diagnosis will get you an automatic disability approval for only a few conditions, however, like ALS, an organ transplant, or certain serious cancers, such as esophageal cancer, mucosal melanoma, anaplastic carcinoma of the thyroid gland, or small-cell carcinoma (of the prostate, ovaries, breast, lungs, pleura, intestines, or bladder). For all other conditions, the next step is to determine if your medical condition meets the specific criteria for that condition. The listing requirements are often quite complex; our illness-specific articles simplify the medical criteria in the listings so that you can understand whether your condition will qualify for disability.

If you haven’t had the clinical or laboratory tests required in the listing, you can ask your doctor to perform them. Or you can wait for the SSA to pay for a consultative exam, but this makes your claim take longer. It’s generally better if the test results are already in your medical record before you apply. Then you can check to see if your test results meet the requirements of the listing, and if they match the criteria or are close, you can apply for disability.

Does a Medical Condition Have to Match the Blue Book Listing?

An individual filing for Social Security disability benefits does not necessarily have to satisfy the exact listing requirements for a particular illness or condition to be awarded disability benefits based on the condition. You can be awarded disability benefits if Social Security considers aspects of your condition medically equivalent to the criteria in the listing or a related listing. This is called “equaling a disability listing.” (According to recent government statistics, 37% of all approved disability applications “met” a listing and only 6% “equaled” a listing.)

Alternatively, you can be eligible for disability benefits if you don’t meet or equal the criteria for the blue book listing, if your condition limits your functioning so much that you can’t work. The SSA will consider the effect of your condition on your capacity to perform routine daily activities and work and will then determine whether there is any kind of job you can safely be expected to do. For more information, see our section on how Social Security decides if your limitations make you disabled. (In a recent year, half of all approved disability applications were approved based on an assessment of applicants’ limitations.)

Does a Medical Condition Have to Be in the Blue Book?

A Social Security disability claimant doesn’t even have to have an impairment that is listed in the Social Security disability blue book to be awarded disability benefits. For instance, migraine headaches are not included in the blue book, but if a claimant’s migraines are severe enough and are well documented, the SSA may grant disability benefits if the migraines make it impossible for the disability applicant to work a full-time job. The keys here are that the condition be a medically determinable impairment and that it reduces someone’s RFC enough so that they can’t do their prior job or any job. In this case, an applicant could qualify for benefits under a medical-vocational allowance. Other common impairments that aren’t listed in Social Security’s blue book include carpal tunnel syndromefibromyalgiachronic regional pain syndromereflex sympathetic dystrophyceliac disease, and degenerative disc disease.

Which Medical Conditions Are Likely to Qualify for Disability?

While any of the above medical conditions are SSDI and SSI qualifying disabilities, some medical conditions are more likely to lead to an approval of benefits than others. We recently surveyed our readers about their experiences in applying for disability benefits and compared their answers to government statistics. For details, see our article on survey statistics on getting Social Security disability for common medical conditions.

How Do You Apply for Disability Benefits?

There are three ways to apply for Social Security benefits:

  • file online at www.ssa.gov/applyfordisability (but note that online filing isn’t available to most SSI applicants)
  • call the Social Security office at 800-772-1213 for an appointment to apply, or
  • go to your local Social Security office without an appointment.

Before you apply, make sure you have the names and addresses of all doctors and clinics you’ve visited over the last five years. Applying for benefits involves much more than filling out the disability application. Your first step should be making sure that you have sufficient medical records for Social Security to make a decision on your claim. If you’ve been seeing a doctor regularly, have a conversation with your doctor about your limitations (such as not being able to lift 30 pounds or stand for three hours), and whether the doctor thinks they rule out full-time work for you. If your doctor agrees, it’s time to apply for disability benefits.

If you haven’t been seeing a doctor, it’s time to start. As mentioned above, you need to have medical records that support your claim, including your diagnoses, your limitations, your test results, and your treatment plans. Once you’ve had several doctors’ appointments, ask if your doctor thinks your limitations are disabling and about your long-term prospects for work. Only then should you apply for disability.

how did private disability insurance get linked to social security benefits

how did private disability insurance get linked to social security benefits

Pompton Lakes is a borough in Passaic County, New Jersey, United States. As of the 2010 United States Census, the borough’s population was 11,097, reflecting an increase of 457 (+4.3%) from the 10,640 counted in the 2000 Census, which had in turn increased by 101 (+1.0%) from the 10,539 counted in the 1990 Census.

Pompton Lakes was established on February 26, 1895 from portions of Pompton Township, based on the results of a referendum held three days earlier. The borough was named for the Pompton people, a sub-tribe of Native Americans who lived in the area. It was the first borough to be formed in Passaic County as part of the “boroughitis” that had struck the state at the time. Pompton Lakes did not acquire territory from more than one township, which would have entitled the borough to a seat on the County’s Board of Chosen Freeholders.

An outer-ring suburb of New York City, Pompton Lakes is located approximately 20 miles (32 km) northwest of Midtown Manhattan. From the higher mountains in and around the borough one can see the New York skyline. Three rivers, the Ramapo, Pequannock and Wanaque, run through the borough, which historically provided much of the energy for various industries in the borough. In the mid-20th Century, Pompton Lakes served as a local shopping destination, but lost its status as shopping malls opened in the area in the 1970s and 1980s.

Social Security
%business_name

11 reviews

Public Services & Government
+18007721213
2200 State Rt 10, Fl 2, Parsippany, NJ 07054
Social Security
%business_name

5 reviews

Public Services & Government
+18007721213
935 Allwood Rd, Clifton, NJ 07012
Social Security
%business_name

4 reviews

Public Services & Government
+18007721213
401 Hackensack Ave, Continental Plz 2Fl, Continental Plz, Hackensack, NJ 07601
State of New Jersey Motor Vehicle Comission
%business_name

88 reviews

Departments of Motor Vehicles
+16092926500
350 Ramapo Valley Rd, Ste 24, Copper Tree Mall, Oakland, NJ 07435
Social Security
%business_name

2 reviews

Public Services & Government
+18007721213
274 Springfield Ave, Newark, NJ 07103
State of New Jersey Motor Vehicle Comission
%business_name

86 reviews

Departments of Motor Vehicles
+16092926500
481 Rte 46 W, Wayne, NJ 07470
Social Security
%business_name

7 reviews

Public Services & Government
+18007721213
325 W Side Ave, Jersey City, NJ 07305
Department of Motor Vehicles
%business_name

133 reviews

Departments of Motor Vehicles
+16092926500
8 Mill St, Lodi, NJ 07644
Peter Rodino Federal Building
%business_name

3 reviews

Landmarks & Historical Buildings
+19736452413
970 Broad St, Newark, NJ 07102
Social Security
%business_name

2 reviews

Public Services & Government
+18007721213
79 Hudson St, 6Th Fl, Hoboken, NJ 07030

MIC Insurance Services
%business_name

1 review

Health Insurance Offices, Life Insurance
+19734922828
170 Kinnelon Rd, Ste 26, Kinnelon, NJ 07405
Fava Financial Group
%business_name

1 review

Home & Rental Insurance, Auto Insurance, Life Insurance
+19738262099
16 Furler St, Fl 2, Totowa, NJ 07512
Hanson & Ryan
%business_name

1 review

Home & Rental Insurance, Auto Insurance, Life Insurance
+19732566000
87 Lackawanna Ave, Totowa, NJ 07512
Bogle Agency Insurance
%business_name

2 reviews

Insurance
+12019391076
200 Stuyvesant Ave, Lyndhurst, NJ 07071
Muller Insurance
%business_name

19 reviews

Insurance
+12016592403
930 Washington St, Hoboken, NJ 07030
Colonial Life & Accident Insurance Company
%business_name

1 review

Insurance
+19735372800
415 State Route 10, Randolph, NJ 07869
Louis Peters
%business_name

6 reviews

Health Insurance Offices
+12125186317
7709 5th Ave, Brooklyn, NY 11209
Tri-Star Insurance Agency
%business_name

1 review

Life Insurance
+12018290300
Livingston, NJ 07039
Schaefer Enterprises
%business_name

4 reviews

Home & Rental Insurance, Auto Insurance, Life Insurance
+18772372481
77 Chambers St, Fl 3, New York, NY 10007
Horizon Blue Cross Blue Shield of New Jersey
%business_name

2 reviews

Insurance
+16092566048
3 Penn Plz, Ste 1, Newark, NJ 07105