Schedule a disability interview at your local Social Security Administration
Applying for Social Security Disability can be both frustrating and time-consuming. It is a complicated process that requires attention to detail and full disclosure. Most applicants are denied benefits for their first application and it can take months or years to win benefits through appeals. Unfortunately, autonomic disorders (including POTS) are not currently a listed category under the Social Security Administration. This doesn't mean that people with POTS can't get disability, but rather that you will have to gather extra documentation to demonstrate your disability. In approximately 25% of people with POTS, maintaining employment is impossible and applying for disability is appropriate.
You can find the current listings of diagnoses for disabilities here: Listings of Impairments for Adults and Children for Disability
When you file your claim, the Social Security Administration will assess your physical, cognitive, and mental impairments to discern whether they prevent you from working. It is important to list and describe ALL of your symptoms in detail. Medical records will be assessed and decisions will be made about how your symptoms affect your ability to perform at even the most sedentary jobs. The Social Security Administration will then match your Residual Functional Capacity Assessment (what you can still do) with your past employment skills, education, and age to see what jobs you can safely perform.
This is available for people who can no longer work due to physical or mental disability. You must have a significant work history with employers that paid Social Security (FICA) taxes. If you are 31 or older, you must have worked five of the last 10 years. If you are 24-31, you must have worked at least half the time since turning 21. If you are under 24, you must have worked at least 1.5 years in the three years before disability.
Family members of workers who are eligible for SSDI are also eligible. For example, if a parent of a medically disabled child works and then qualifies for Social Security Disability Insurance, then when the child becomes an adult and is too sick to work, she will also be eligible even if she has never been employed.
SSDI does NOT limit your assets or unearned income (spouse’s income, investments, or interest). However, there is a limit on the money you can earn while receiving disability benefits. If you are well enough to earn income, then you are no longer considered disabled. If you can earn more than $1,090 in a month, you are not eligible for disability insurance.
This is available for disabled people who have never worked or not worked enough to qualify for SSDI, those who are no longer eligible for SSDI because they haven’t worked in a long time, or for children with physical or mental disabilities. Applicants must meet both income and asset limits.
This program is designed for low income individuals who are blind, disabled, or elderly. SSI limits your assets and unearned income (spouse’s income, investments, or interest). For a single person, if the countable assets exceed $2,000, that person will not be eligible for SSI. If married, the countable assets cannot exceed $3,000. In 2023, the federal benefit rate was $914 for individuals and $1,371 for couples. If you can earn more than $1,090 in a month, you are not eligible for supplemental security income.
Schedule a disability interview at your local Social Security Administration.
Prepare for the disability interview before you go. These interviews are typically 90 minutes or more.
It is a triumph when your disability application gets approved! Take a little time to celebrate the fruits of your labor. The process does not end with this approval, however. Reviews will be conducted every few years to assess whether or not you still qualify for disability. Maintain a good relationship with a supportive physician as you will need documentation of your illness upon review (typically every five years). These reviews are a multi-step process with appeals available if benefits are denied. Benefits will be continued during this process, but any benefits paid during the appeals process must be repaid to the SSA should the final decision be unfavorable.
Don’t panic! Most people currently on disability were denied benefits on their first application too. Hire a qualified Social Security Disability attorney or advocate to advise you in filing accurately and punctually. Appeal the Social Security Administration’s decision immediately – you only have 60 days to appeal and 5 mailing days from when you mail in the reconsideration. If you miss this deadline, you must begin an entirely new application.
There are multiple chances for appeal through the Social Security Administration. If benefits are denied after the initial application, appeal that decision. If the benefits are denied a second time, you will get a hearing with an Administrative Law Judge. It is highly recommended to use an attorney for this hearing to help you tell your story.