Step 1: Determining if Your Condition Is Severe

The SSA first determines whether your condition is “severe”—meaning it significantly limits your ability to perform basic work activities such as:

• Standing, walking, or lifting
• Remembering instructions
• Concentrating or interacting with others

If your condition does not interfere with your ability to work, you won’t be considered medically eligible.

Step 2: Reviewing the SSA’s Listing of Impairments

The SSA maintains a Listing of Impairments (also called the “Blue Book”), which includes medical conditions that are considered severe enough to qualify for disability benefits automatically. These listings are organized by body system and include:

• Musculoskeletal disorders (e.g., back injuries)
• Neurological disorders (e.g., epilepsy, multiple sclerosis)
• Mental disorders (e.g., depression, PTSD, schizophrenia)
• Cardiovascular issues (e.g., chronic heart failure)

If your condition matches or equals a listed impairment, the SSA will find you medically eligible at this step.

Step 3: Evaluating Residual Functional Capacity (RFC)

If your condition is not listed, the SSA evaluates your Residual Functional Capacity (RFC)—your ability to do work-related activities despite your condition. The RFC assessment considers:

• How long you can sit, stand, walk, or lift
• Whether you can follow instructions or concentrate
• Your ability to complete tasks on a regular schedule

Your RFC is used to determine whether you can perform your past work or adjust to new work.

Step 4: Considering Medical Evidence

Medical eligibility is based heavily on the quality and completeness of your medical documentation. The SSA will examine:

• Medical records from doctors, hospitals, and clinics
• Test results such as MRIs, X-rays, and lab work
• Statements from treating physicians
• Mental health evaluations (if applicable)

The more detailed your records, the easier it is for the SSA to assess your eligibility.

Step 5: Considering Consistency and Compliance

To be found eligible, the SSA must see consistent medical treatment. They’ll review:

• Whether you are seeing your doctors regularly
• Whether you’re following prescribed treatments
• Whether your reported symptoms are consistent with your diagnosis and test results

If you are not compliant with treatment without a valid reason, the SSA may deny your claim.

What If the SSA Needs More Information?

Sometimes the SSA may order a Consultative Examination (CE) with an independent doctor if your records are incomplete or unclear. This exam helps fill gaps and provides an objective evaluation of your condition.