Kidney failure, a condition where the kidneys are unable to filter toxins from the blood, can significantly impact one’s ability to work. As the condition progresses, individuals may require dialysis or kidney transplants, posing time and energy challenges when it comes to employment. Learn about when kidney failure meets the Social Security Administration’s (SSA) definition of disability, and how you can access disability benefits if you qualify.*

When is kidney failure considered a disability?

The concept of disability varies across jurisdictions and agencies. The SSA, a primary authority in the United States, defines disability as a condition that:

• Inhibits your ability to work, and
• Is expected by your doctor to last for at least a year and/or be terminal.

Kidney failure can qualify as a disability under specific circumstances outlined by the SSA. These criteria, documented in the SSA’s Blue Book under “Genitourinary Disorders,” include:

• Receiving kidney transplants, 
• Undergoing dialysis, or 
• Experiencing severe medical complications related to kidney failure, such as fluid overload syndrome or peripheral neuropathy.

The process for demonstrating eligibility for disability benefits may vary, and can include medical records, lab results, and notes from your doctors.

Accessing disability resources for kidney failure

Navigating the process of obtaining disability benefits can be complex. Fortunately various organizations and resources are available to help you do so. From the SSA, Medicare, and Medicaid, to advocacy groups like the American Kidney Fund, you can access support to better  understand your eligibility status and apply for benefits.

The disability benefits outlook for people with kidney failure depends on several factors, including:

• Age,  
• Underlying causes, 
• Management of the condition, and 
• Presence of other health issues. 

Questions about legal representation, timelines for benefit qualification, and qualifying stages of kidney disease will also be addressed. 

FAQs about disability benefits

Two of the most common questions that people with kidney failure ask about applying for disability benefits are:

• Do I need a lawyer to apply for benefits? No, but the process can be made easier with representation by a lawyer or advocate. Your local Social Security office should have a referral list if you want representation.
• How long does it take to get a decision after I apply? It generally takes about 3–5 months. In the case of a denial, you’ll have 60 days in which to file an appeal. 

Despite the challenges posed by kidney failure, it is worthwhile to explore the supports and resources that are in place to alleviate financial burdens through disability benefits.

*Srakocic, S. (2023, October 4). When Is Kidney Failure a Disability? Healthline.

https://www.healthline.com/health/kidney-disease/is-kidney-failure-a-disability 

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