Although the reference to insurance is included in its name, readers may have questions about whether they could be considered the equivalent of “policy holders” under the Social Security disability insurance program. The answer depends on several factors.
According to its website, the Social Security Administration’s definition of disability includes a functional approach. Unfortunately, applicants for Social Security disability insurance who have hard-to-prove conditions may still have difficulty compiling adequate evidence to prove the extent of their impairment.
For purposes of Social Security disability insurance benefits, a total disability is defined as a condition that prevents an individual from earning more than the monthly earning limit. In 2013, that amount was $1,040 per month.