If you have a disability that makes it impossible for you to work, you may be eligible for Social Security Disability (SSD) benefits. You will file an application to obtain these benefits. However, your claim may be denied at the application stage.
Outlined below are some of the more common reasons for denial.
An applicant doesn’t have a qualifying disability
One of the basic requirements for SSDI benefits is an applicant should have a qualifying disability. According to the U.S. Social Security Administration (SSA), an applicant has a qualifying disability if they cannot work and earn their maximum monthly salary due to a medical condition, they cannot do work they previously did or adjust to other work because of the medical condition and the condition has lasted/is expected to last at least one year or result in death.
Failure to submit the needed documents
The SSA has an Adult Disability Checklist to help applicants gather the needed documents. For example, you need to submit your medical records (medical tests, treatments and medications). You are also required to submit information regarding how the medical condition has affected your ability to work.
Besides medical documents, you should provide personal information (date and place of birth, marriage and divorce, children info, employment details and so on).
Failing to submit all documents is a common reason for SSDI denials.
An applicant lacks the number of credits needed for benefits
The SSA requires SSDI applicants to have a certain number of credits to qualify for benefits. For example, applicants below 24 years old may qualify for benefits if they have six credits earned in the 3-year period ending before disability starts.
If you lack the required credits, your application may be denied.
You should get legal guidance during your initial SSDI application to avoid costly mistakes.