Applying for Social Security Disability benefits can be a challenging process, especially if you’re unsure what the Social Security Administration (SSA) looks for in an application. Many people in Arkansas struggle to understand whether their medical condition and work history meet the requirements for benefits. Knowing how to qualify for Social Security Disability can help you prepare a stronger claim and improve your chances of approval.
At Pfeifer Law Firm, our experienced Social Security Disability attorneys help clients throughout Arkansas navigate the complex SSD and SSI process. If you’re unable to work due to a serious medical condition, we can help you understand your eligibility and ensure that your claim includes the right medical and vocational evidence.
Understanding the Two Types of Social Security Disability Benefits
Before determining whether you qualify, it’s important to know which type of benefit you are applying for. The SSA offers two main programs for individuals with disabilities: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
While both programs provide monthly financial support to people who are unable to work, the eligibility requirements are very different. You can learn more about these differences in our guide on SSDI vs. SSI in Arkansas.
- SSDI is based on your work history. You must have paid into Social Security through your job and earned enough work credits.
- SSI is based on financial need. You don’t need a work history, but your income and assets must fall below certain limits set by the SSA.
In some cases, people may qualify for both programs at once. This is called a “concurrent claim,” and the SSA will coordinate both benefits to ensure you receive the correct total amount each month.
The Basic Eligibility Requirements for Social Security Disability
To qualify for disability benefits in Arkansas, you must meet the federal standards set by the SSA. The requirements fall into two main categories: non-medical and medical.
1. Non-Medical Requirements
Non-medical criteria determine whether you’re eligible to apply based on your work history or financial situation.
- For SSDI: You must have worked long enough in jobs covered by Social Security and earned sufficient “work credits.” Generally, you need 40 work credits, 20 of which must have been earned in the last 10 years before your disability began. Younger workers may qualify with fewer credits.
- For SSI: Your income and assets must be below the limits set by the SSA. As of 2025, individuals must have less than $2,000 in countable resources ($3,000 for couples), excluding certain assets like your primary home and one vehicle.
2. Medical Requirements
The SSA defines disability as the inability to engage in “substantial gainful activity” (SGA) due to a medically determinable physical or mental impairment that is expected to last at least 12 months or result in death. This means you must show that your condition is severe enough to prevent you from performing your past work or adjusting to new work.
The Five-Step Disability Evaluation Process
When you apply for SSD or SSI, the SSA uses a five-step process to determine whether you qualify as disabled:
- Are you working? If you are earning more than the SGA limit (around $1,550 per month in 2025 for non-blind individuals), you will not qualify for benefits.
- Is your condition severe? Your impairment must significantly limit your ability to perform basic work activities such as walking, standing, lifting, or concentrating for at least 12 months.
- Is your condition on the SSA’s list of impairments? The SSA maintains a “Blue Book” of medical conditions that are automatically considered disabling if they meet specific criteria. You can find this list on the SSA’s official Blue Book.
- Can you do your past work? If your medical condition prevents you from performing your previous job, the SSA moves to the final step.
- Can you do any other work? The SSA considers your age, education, and work experience to determine if you can adjust to other types of employment.
If you are found unable to perform any substantial work at Step 5, you are considered disabled and eligible for benefits.
How the Arkansas Disability Determination Services (DDS) Reviews Claims
In Arkansas, the Disability Determination Services (DDS) reviews disability applications on behalf of the SSA. DDS examiners and medical consultants review your medical records, contact your healthcare providers, and may request a consultative examination to better understand your condition.
Your cooperation during this stage is critical. Failing to respond to DDS requests or attend examinations can delay or harm your case. An experienced Social Security Disability attorney can manage communications with DDS and ensure all documentation is complete and submitted on time.
What Medical Evidence Do You Need to Qualify?
The strength of your medical evidence is one of the most important factors in your claim. The SSA requires objective medical proof of your condition, such as:
- Doctor’s treatment notes and progress reports
- Hospital and clinic records
- Diagnostic tests (MRI, X-rays, lab results)
- Statements from treating physicians about your limitations
- Medication and treatment history
If you have multiple conditions—physical, mental, or both—the SSA will consider how the combination of impairments affects your ability to work. Consistency between your medical records, statements, and daily activities is essential.
Common Medical Conditions That Qualify for Disability
Some of the most common conditions that qualify for SSD or SSI include:
- Musculoskeletal disorders such as back injuries, arthritis, or joint dysfunction
- Cardiovascular diseases like heart failure or coronary artery disease
- Respiratory conditions including COPD and asthma
- Mental health disorders such as depression, anxiety, bipolar disorder, and schizophrenia
- Neurological conditions like epilepsy, multiple sclerosis, or Parkinson’s disease
- Autoimmune disorders including lupus and rheumatoid arthritis
- Cancer and certain terminal illnesses
Even if your condition is not listed in the SSA’s Blue Book, you may still qualify if you can show that your limitations prevent you from working on a consistent basis.
How Long Does It Take to Get a Decision?
The timeline for a disability decision varies depending on your case. In Arkansas, it typically takes three to six months for DDS to process an initial application. However, complex cases or those requiring additional medical records can take longer. If your claim is denied, you have the right to appeal, and the appeal process may add several months to a year.
In certain severe cases, you may qualify for expedited review through the Compassionate Allowances program, which fast-tracks approvals for applicants with serious or terminal medical conditions.
How an Attorney Can Help You Qualify for Benefits
Working with a Social Security Disability attorney can make a significant difference in the outcome of your claim. At Pfeifer Law Firm, we help clients by:
- Reviewing eligibility and identifying which program fits your situation
- Gathering comprehensive medical and vocational evidence
- Communicating with the Arkansas DDS on your behalf
- Preparing and filing appeals if your initial claim is denied
- Representing you at hearings before Administrative Law Judges
Our team ensures that every detail of your application supports your case for disability, helping you avoid common mistakes that lead to delays or denials.
Tips for Strengthening Your Social Security Disability Claim
- Be honest and consistent in your application and medical reports.
- Continue regular treatment with your healthcare providers.
- Keep a daily journal of your symptoms and limitations.
- Respond promptly to all SSA and DDS correspondence.
- Seek legal guidance early in the process to ensure all evidence is properly submitted.
Taking these steps can improve your chances of being approved and help avoid unnecessary delays.
When to Contact Pfeifer Law Firm
If you believe you qualify for Social Security Disability benefits, or if your claim has been denied, you don’t have to navigate the process alone. Pfeifer Law Firm is here to help. Our experienced attorneys handle every stage of the process, from the initial application to appeals and hearings. We serve clients across Arkansas and are committed to helping you get the financial support you deserve.
Contact our office today for a free consultation and let us help you determine your eligibility for SSD or SSI benefits in Arkansas.