Living with a serious health condition that prevents you from working creates real financial and emotional challenges. When medical problems prevent you from earning a living, programs like Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) offer important financial help. These federal programs help thousands of Tennessee residents maintain financial stability while dealing with disabling conditions. However, not all health issues qualify for these benefits, and understanding which impairments meet the Social Security Administration’s standards is crucial.
The difference between SSDI and SSI
While both SSDI and SSI provide financial support for people with disabilities, they serve different groups. SSDI works similarly to an insurance policy you have paid into through your work history. When you work and pay Social Security taxes, you earn “work credits.” If you become disabled after earning enough credits, you can receive SSDI benefits and gain access to Medicare benefits.
SSI, on the other hand, is based on financial need rather than work history. This program helps people with disabilities who have very limited income and resources. If you receive SSI, you may also be eligible for Medicaid coverage.
Common medical conditions approved for disability benefits
The SSA uses a list of conditions that qualify for disability benefits called the Blue Book. Here are some of the most common conditions that qualify for disability benefits in Tennessee:
- Arthritis and other musculoskeletal disorders
- Heart disease
- Respiratory illnesses, such as chronic obstructive pulmonary disease
- Mental health conditions like severe depression, anxiety or bipolar disorder
- Cancer
- Stroke, epilepsy and seizures
- Diabetes complications such as blindness or severe obesity
- Immune system disorders, including HIV, lupus and rheumatoid arthritis
The SSA looks at more than just your diagnosis. To approve your claim, they need to see how your condition severely limits your ability to perform work-related activities. You also must show that your impairment will stop you from working for at least 12 months.
Evaluating where you stand
Understanding if you qualify for disability benefits involves looking at your unique situation. Having a medical diagnosis that stops you from working for at least a year is the first step. However, a diagnosis alone does not guarantee the government will approve your claim. Knowing the key differences between an SSDI and SSI can help you better gauge where you stand and what information is most important for your potential claim.