At 35 years old I applied for SSDI I was IU 100%P&T due to combined disabilities. I did not have doctor saying I could not work because I had all my health care from the VA. The VA doctors I had could not say I was unable to work due to my disabilities because the VA has a system to determine your ability to work under the IU statute. Having no letters from a doctor I was unable to obtain a lawyer to help me.
When I applied for the SSDI I applied as being too disabled to work due to my combined disabilities. SSA denied my claim because they was evaluating each disability separately and they did not take into account the total of all my disabilities being on one individual. The next step I could have asked for a review. I asked them if they would do anything differently from the first one and they told me no so I decided to skip that step.
Next I appealed my claim for a hearing with a judge. The way I figured it if the judge tells me I can work then I would ask him to give me a job but it did not get that far. In the hearing the judge asked me if I had an attorney and I told him no. Then he asked me if I wanted one and he told me I should get one so I thought about it for a few minutes. I asked him if I had another appeal after this one and he told me yes. I told him I waited 3 years for this hearing and I believe my combined disabilities should make my case without one.
He asked me about my medications (7), so I started with the one that had the worst side effects. I explained what it was like without the medication and then I started telling him about the side effects. I explained what the side effects are and how they are better than the alterative. Before I got halfway through the side effects of my first medication when he stopped me saying I heard enough and my claim was approved. In his finding he bashed the SSA for not considering my combined disabilities that range from physical to mental as being on one individual.
Because I could not get a VA doctor to write a letter saying I could not work so I was prepared to argue that my health care provider is responsible for all my care is the VA and they said I could not work by giving me IU 100%P&T due to combined disabilities should be considered a medical record. I was told they do not consider VA disability ratings when making their decisions so I cannot include it in my appeal. I added this argument to as part of my request for the hearing anyway and told them the judge can ignore it if he wants to. I do not know if the judge took my argument into account because we did not get that far but I am sure it did not hurt my case.
If you truly believe your combined disabilities, both service connected and non service connected make it impossible for you to work I encourage you to file a claim and appeal it until you see a judge because if you continue to refile you lose the back pay.
I hope this helps you.