Typically, claims are not allowed for substance abuse; otherwise, any physical or mental disorder that caused disability will be consdiered. Private policy claims must arise while the insurance was in force; employer plans require that your condition arise while an active employee.
Social Security Disability
How Does Social Security Decide if I Am Disabled?
SSA considers your age, education, work background, and medical records to determine if you are able to work on a regular and consistent basis.
Can I Work While Applying for Social Security Benefits?
Yes, but there is a limit on how much you can earn while your application is pending. The limit changes from year to year.
What Conditions Qualify for Social Security Disability?
You must have medical evidence of a diagnosed physical or mental disorder that affects your ability to work.
Why Does It Take So Long to Settle a Social Security Claim?
SSA disability claims are initially processed by state agencies that evaliate claims at the initial and reconsideration levels. Processing times are dependent on the volume of pending claims and staffing in the state agencies.
What Happens if My Claim Is Denied?
Upon initial denial you may file for reconsideration. If denied at reconsideration you may request a hearing before an Administrative Law Judge for the Social Security Administration.
Why Should You Hire a Lawyer Before Filing for Social Security Disability?
You will benefit from expert advice about whether you are likely to be able to prove that you are disabled under SSA law and regulations. You will benefit from a disability attorney's assistance throughout the claims process.