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The United States government provides financial benefits to those who are disabled through the SSA. But how does the SSA define a disability? A disability is defined as the inability to engage in substantial gainful activity due to a medically determinable impairment that has lasted or is expected to last a minimum of 12 months or result in death. This is important because it sets out certain limitations on what can be claimed as a disability or not. For example, a broken arm may leave you temporarily unable to engage in substantial gainful activity but it will not last a minimum of 12 months.