Navigating Social Security Disability Benefits for Multiple Sclerosis Patients

Multiple sclerosis (MS) can be an unpredictable condition. One day, you may feel strong and able to go about your daily routine; the next day, it could be a challenge to walk. By its nature, MS can make working difficult, and for many, it becomes impossible to maintain steady employment. Social Security Disability Insurance (SSDI) benefits can provide critical financial relief. However, securing these benefits is not always straightforward.

How Is SSDI Eligibility Determined for Individuals with MS?

MS is a progressive disease. It affects the central nervous system, leading to symptoms ranging from mild to debilitating. While some individuals with MS experience periods of remission, others face relentless progression. Common symptoms include balance and coordination issues, muscle weakness, severe fatigue, vision problems, and cognitive impairment, all of which can interfere with the ability to work.

Although the Social Security Administration (SSA) acknowledges that MS is a potentially disabling condition, a diagnosis alone is not enough to qualify for benefits. To become eligible, you must prove that your disease symptoms prevent you from engaging in substantial gainful activity (SGA). For 2025, the SGA threshold for non-blind individuals is $1,620 per month, as stated by the Social Security Administration. If your earnings exceed this amount, SSA may argue that you are still capable of earning a living and will deny your claim.

What Are the Criteria for MS Under SSA’s Blue Book?

The Social Security Administration evaluates disability claims for MS under Listing 11.09 of the agency’s Blue Book. To meet the criteria, you must provide extensive medical documentation. To qualify for SSDI benefits under this listing, you must show one of the following:

• Impaired motor function in two extremities (arms or legs) that makes it extremely difficult to use your extremities, balance while walking or standing, stand up from a seated position, or
• Marked limitations in physical functioning include concentration, persistence, and keeping pace; interacting with others; remembering, applying, or understanding information; and adapting and managing oneself.

What Types of Medical Documentation Does SSA Require?

In filing for SSDI benefits with MS, you must prove the impact of the disease on your ability to work. SSA will rely heavily on your medical records, which may include the following:

• Statements from treating physicians regarding how MS limits your ability to perform job-related tasks
• Documentation of your treatments, including physical therapy, medications, or other interventions, and how they have or have not improved your condition
• MRI scans showing brain or spinal cord lesions
• Neurologist reports detailing your diagnosis and progression
• Cognitive assessments if you experience concentration or memory issues
• Coordination, gait, and muscle strength test reports

In addition to the above, a Residual Functional Capacity (RFC) assessment may be crucial. Your doctor completes this assessment, which the Social Security Administration may require in some cases. An RFC will outline your physical and cognitive limitations in the workplace. For example, it can show whether you can lift objects, stand, walk, or handle stress effectively. 

What Are the Steps of the SSDI Application Process?

Take the following steps to apply for SSDI benefits with MS:

• Gather your medical records: Ensure you have a comprehensive medical history to support your claim.
• Complete the SSDI Application: You may complete the application for disability benefits online. If you are unable to do so, call SSA toll-free at 1-800-772-1213 between 8:00 a.m. and 7:00 p.m. to make an appointment. 
• Submit supporting documentation: Your work history, physician statements, and reports on your daily activity can strengthen your case.

Respond to SSA requests: It is important to respond promptly

What Are the Common Pitfalls with SSDI Applications?

The SSDI application process can be daunting. Most first-time applicants are denied due to application errors, insufficient medical evidence, or failure to meet SSA’s strict requirements. The following are common reasons for denial of benefits:

• Incomplete application forms
• Lack of consistent medical treatment
• Insufficient medical evidence
• Earning too much income
• Failing to meet SSA’s definition of disability

What Happens If Your Claim Is Denied?

A denial of benefits is not the end of the road. Appeals are common and often successful. The SSDI appeals process in Florida involves the following stages:

• Reconsideration: You may request a review of the initial denial. Unless new medical evidence is presented, this stage rarely results in approval.
• Hearing before an Administrative Law Judge (ALJ): Many claims are won at this stage. The ALJ will review your case and may allow you to present new evidence or testimony.
• Appeals Council review: If the ALJ denies your claim, you may request a review of the decision by the Appeals Council.
• Federal court case: The last option is to file a lawsuit in federal court. 

How Can a Florida SSDI Lawyer Help?

Navigating the SSDI process can be overwhelming, and an experienced disability attorney can make all the difference. Our legal team at the Law Office of Nancy L. Cavey can collect and present the strongest medical evidence; ensure your application is complete and meets SSA standards; represent you at hearings and argue your case before the judge; and increase the likelihood of a successful appeal. If you seek SSDI benefits for multiple sclerosis, our legal team is here to help you navigate this vital action. Contact our firm at 727-477-3263.