Injuries, like broken bones or other skeletal disorders, can make simple, everyday movements difficult. And, they can be devastating when they affect one's ability to work. When such an impairment prevents someone from working for a year or longer, they may qualify for financial assistance. Social Security Disability Insurance (SSDI) is paid from a fund that all United States workers have paid into during the time in the workforce. If they become disabled before retirement and are no longer able to work, SSDI can take some of the sting out of the wage loss.
When the Social Security Administration (SSA) assesses a claim for a bone injury or disorder, it compares the evidence and medical records to its own guidelines. To qualify under the SSA guidelines, a musculoskeletal system disorder or injury must prevent an individual from working for at least a year. Spinal stenosis, osteoarthritis and fractured vertebrae are examples of such disorders and injuries.
Certain broken bones and amputations may also qualify under SSA guidelines. But, SSA is very specific in terms of what types of injuries are covered. For example, an amputation has to result in the loss of both hands, one or both lower extremities or one hand and one lower extremity. A fractured pelvis, femur or humerus in one or both arms may also qualify.
Although, claimants have contributed to the SSD trust for their entire working lives, SSA, unfortunately, does not make it particularly easy to navigate the claims process. Government studies have shown that claimants with representation tend to fare better than their unrepresented counterparts. Those in a position where they need to apply for or appeal SSD benefits should seek the assistance of an experienced Social Security Disability attorney, who can help make the process go a more smoothly.
Source: SSA.gov, "1.00 Musculoskeletal System - Adult," accessed on March 19, 2018