How does the Social Security Administration (SSA) determine disability?

For adults, the Social Security Administration (SSA) employs a five step process in determining whether a claimant is disabled. The process begins with determining if you are working at the Substantial Gainful Activity (SGA) level. If you are working full time making more than the allowable income level, then your claim will generally not proceed.

However, if you are not working, or at least not working at the SGA level, then your claim can proceed. The next 4 steps in the process involves determining the severity of your condition, how it limits you, your ability to return to your prior jobs in light of your condition, and your ability to perform other work considering the limiting effects of your condition, your age, prior work experience, transferability of work skills, and education. This is a very simplified explanation of the process.

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Under the Social Security Act, a child under 18 will be considered disabled if he/she has a "medically determinable physical or mental impairment or combination of impairments that causes marked and severe functional limitations, and that can be expected to cause death or that has lasted or can be expected to last for a continuous period of not less than 12 months." This standard is slightly different than for an adult, as the majority of children do not work, at least not on a full time basis. If a child is working, however, and is earning above the allowable income level, generally then the child cannot be found disabled.

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