As an employee or self-employed individual who has paid into the Social Security system, you may be eligible for Social Security Disability Insurance (SSDI). The Social Security Administration (SSA) oversees these benefits, and their application process can be complex.
To help you work through this process, it’s important to understand and avoid common mistakes that could lead to a denial of your claim. Here are five crucial errors to watch out for when applying for SSDI in Michigan.
Underestimating the importance of medical documentation
Many applicants think a simple doctor’s note stating they’re disabled is enough. However, the SSA needs more comprehensive medical evidence. This may include:
- Detailed treatment records from all health care providers
- Laboratory and test results (e.g., X-rays, MRIs, blood tests)
- Medication history and their effects
- Surgical reports, if applicable
- Your doctors’ opinions on how your condition limits your ability to work
- Records of physical or occupational therapy
- Mental health evaluations, if relevant
- Documentation of hospitalizations related to your condition
The SSA may request additional documents as needed during the application process.
Failing to meet the work credit requirement
SSDI isn’t just based on your disability; you must have paid into the Social Security system for a certain number of years. Make sure you’ve earned enough work credits before applying. In 2024, you earn one credit for each $1,730 in earnings, up to a maximum of four credits per year.
The number of credits you need depends on your age when you become disabled. For most adults, you’ll need 40 credits total, with 20 earned in the 10 years before your disability began. Younger workers may qualify with fewer credits.
Applying too late after the onset of disability
Waiting too long to apply can result in lost benefits. The SSA can pay benefits up to 12 months before your application date but no earlier. Apply as soon as you become disabled to maximize your potential benefits.
Continuing to work while applying
Your application will likely be denied if you’re earning above the SSA’s substantial gainful activity (SGA) limit. In 2024, this limit is $1,470 monthly for non-blind individuals and $2,460 for blind individuals. Be cautious about working while applying for SSDI.
Handling the application without professional help
The SSDI application process can be overwhelming. Consider consulting with an experienced SSDI attorney who can guide you through the process. They can help represent you in case of an appeal.