A cancer diagnosis can be life-changing, not only physically and emotionally but also financially. For many individuals, undergoing treatment means time away from work, which can lead to a significant loss of income. Social Security Disability (SSD) benefits can provide essential financial support for many people who are unable to work due to cancer.
However, the process of applying for SSD benefits after a cancer diagnosis can be complex. Therefore, it’s important to understand what to expect before moving forward.
Broad eligibility concerns
To qualify for SSD benefits, the Social Security Administration (SSA) requires that an applicant’s condition is severe enough to prevent them from engaging in “substantial gainful activity” for at least 12 months. Alternatively, an applicant’s petition for benefits may be approved if their condition is expected to result in death. Cancer patients may qualify for benefits if their diagnosis and treatment significantly limit their ability to work.
This means that not every cancer diagnosis meets the SSA’s criteria for benefits eligibility. When assessing a particular cancer patient’s application, the SSA evaluates cancer claims based on its type, stage, location and the extent of treatment required. Some cancers, particularly those that are aggressive or have metastasized, may meet the criteria more easily than others due to their debilitating nature.
On the flip side, the SSA recognizes that some cancer diagnoses require urgent assistance and offers a Compassionate Allowance (CAL) program to fast-track claims for certain severe conditions. Aggressive or terminal cancers are often included under CAL, meaning that eligible applicants can receive a decision on their claim in a matter of weeks instead of months.
Even when an application appears to be relatively straightforward, navigating the SSD application process while dealing with a cancer diagnosis can be overwhelming. Many applicants find that working with an experienced legal team can help to take the pressure off the situation so that the act of healing can remain their top priority.