Under title II and title XVI, we consider a person disabled under Social Security
            rules if he or she has a medically determinable physical or mental impairment (or
            combination of impairments):
         
         
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                     that prevents him or her from doing any substantial gainful activity (SGA), and
                     
                   
                
             
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                     has lasted or is expected to last for a continuous period of at least 12 months, or
                        is expected to result in death.
                     
                     
                   
                
             
         
         NOTE: The definition of disability also applies to persons applying for child’s insurance
            benefits based on disability before age 22 and for disability benefits payable after
            December 1990 as a widow(er) or surviving divorced spouse.