Despite repeatedly promising not to cut Social Security, the Trump Administration is reportedly preparing a proposed rule that could reduce the share of applicants who qualify for Social Security Disability Insurance (SSDI) by up to 20 percent, according to an Urban Institute report that cites writing by a former Trump Administration official and interviews with former staff at the Social Security Administration (SSA). This would be the largest cut in SSDI history.
SSDI is an integral part of Social Security. It provides essential benefits to workers who cannot support themselves through earnings due to severe and long-lasting disabilities that significantly impede their ability to work, and it helps to prevent beneficiaries and their families from experiencing poverty.
The rule would make it much more difficult to qualify for both SSDI and Supplemental Security Income (SSI). Because it would dramatically change the eligibility criteria for older applicants, the losses among people over age 50 would be much deeper.
The rule is likely to be the largest-ever cut to Social Security Disability Insurance. A 20 percent cut in the share of applicants who qualify for SSDI would be larger than any previous change to the program. It would be even larger than the Reagan-era disability cuts, which the Reagan Administration was forced to reverse amid fierce opposition from governors, courts, beneficiaries, and advocates. According to an Urban Institute analysis, even a cut half the size of what the Trump Administration is considering would mean 750,000 fewer people would receive SSDI benefits within ten years. In addition to reducing the share of applicants who receive benefits, some current beneficiaries could see their benefits taken away when their eligibility is reviewed.
The rule would particularly hurt older workers. Like the rest of Social Security, SSDI serves largely older people; nearly 80 percent of disabled workers are aged 50 or older. SSDI benefits provide vital support to people whose careers are cut short by severe medical impairments. The rule is expected to target older applicants already determined to have significant medical impairments by discounting the barriers they face due to their age in continuing to do substantial work — despite the law’s requirement that the Social Security Administration (SSA) consider how age, education, and skills might make working harder, in addition to considering health conditions.
It’s already difficult at any age to qualify for disability benefits, given their stringent rules. Research shows applicants whose impairments are not severe enough to qualify for SSDI fare poorly in their attempts to return to work — especially if they’re older. Rejecting more older applicants will cause more hardship for people who would be eligible for benefits under the existing rules.
The rule will likely cause disproportionate harm to people living in the South and Appalachia. Some states have a higher share of people receiving disability benefits, particularly those with more older workers with fewer years of formal education, and who are more likely to have worked in physical jobs like manufacturing or mining. That is true of many Southern and Appalachian states, as well as Maine and the Rust Belt states of Michigan, Ohio, and Pennsylvania. The proposed rule drafted during the first Trump Administration would reportedly change the way SSA considers education as well as age, and because residents of these states are on average older and less educated, these changes will hit them doubly hard.