Millions of people apply for Social Security Disability benefits every year. Out of those millions of applications received by the Social Security Administration, only thirty percent are approved at the initial degree of the disability claim process. Why are so many Social Security Disability claims denied?
The reasons for a denial of Social Security Disability benefits change from one claim to the next, however, there are common reasons for a claim to be denied. It is important to understand the top reasons why many claims are denied by the Social Security Administration if you are applying for Social Security Disability benefits. Keep the following things in mind so you could increase your likelihood of a successful Social Security Disability claim when submitting your application for Social Security Disability benefits.
You do not fulfill the basic non-medical requirements
In the event you don’t meet their eligibility requirements, known as a technical refusal, the SSA won’t even take a look at your medical records. For Social Security Disability Insurance (SSDI), you may get a technical denial if you earn more compared to the substantial gainful activity limit of $1,090 per month or have insufficient work credits. For Supplemental Security Income (SSI), you can’t exceed the SSA’s income or asset limits.
Some nonmedical reasons folks are denied benefits more apply to SSI. It’s advantage limits since it is a welfare program; you can’t have more than $2,000 in the bank as an individual or $3,000 as a couple. You can own a house and also a car, but you can’t two houses or own a boat. I have no data to back this up, but I’d say the most common non-medical reasons people are refused [for SSDI benefits ] have to do with failure to comply. They miss an appointment at SSA, they don’t provide the correct information about their income, they fail to report all of the doctors they went to, they miss a consultative exam, they didn’t get the extra medical records that would have provided more support for their medical case, etc.
Lack of Hard Medical Evidence
Many Social Security Disability claims are denied due to a lack of strong medical evidence. That you’ll need to demonstrate that you are incapable of working due to your disabling condition in the event you would like to qualify for disability benefits. In order to triumph in this, you have to have medical records that demonstrate your impairment has interfered with your ability to perform a work activity. As an example, you might be seeing your doctor every month for severe back pain but your claim for Social Security Disability might be refused, in case your doctor has not documented how that back pain interferes with your capability to work.
Lots of individuals presume that Social Security will send them to physicians who will assemble the evidence needed to approve a claim for Social Security Disability benefits. This isn’t the case. It may well not be enough to establish your disability, even if you are sent for a medical exam by the Social Security office. The medical records kept by your primary care physicians are what will be most important in determining the success of your claim for Social Security Disability benefits. As a result of this, it is essential that you discuss how your handicap is affecting your work life with your physician.
Doctor’s notes excusing you from work or records suggesting a modified work schedule should be included with your medical files if possible. In the event, you were working prior to filing for handicap and had to miss time from work because of the incapacity, keep a record of just how much time was lost. This will definitely help present your case for Social Security Disability to the Social Security Administration.
You Get Too Much Income
For SSDI, which is the benefit plan for workers who’ve paid into the Social Security system over multiple years, one of the very most fundamental reasons you could be denied benefits is that, when you apply, you’re working above the limitation where it’s considered “substantial gainful activity” (SGA). This implies you bring in too much money to be considered disabled. You are permitted to work a little amount when you’re applying for and collecting SSDI, but not over the SGA limit, which is $1,170 per month in 2017 (for nonblind individuals). The figure is adjusted annually. Income from investments doesn’t count toward the SGA-only work income counts, as it shows your ability to work.
As to SSI, which is the disability benefit for low-income folks, when you submit an application for SSI, you can’t be making over the substantial gainful activity level (although after approval you can make more cash than that). But there’s a limit on all earned and unearned income for SSI, around $1,500 per month, that implements both when you are applying for benefits and when you’re collecting benefits. And anytime your income is over $740-$800, your SSI payment will likely be reduced, by a somewhat complicated formula. Would be reduced to zero; in payment in case you make about $1,500 or more, your other words, you won’t qualify for SSI.
The SSA Cannot Find You
The SSA and Disability Determination Services (DDS)-the agency that determines your medical qualification for benefits must have the capacity to speak with you regarding your application. In case these agencies cannot reach you to schedule exams or communicate together with you about matters that were crucial, your benefits may be refused. If you name a representative (for example an attorney) to handle your paperwork, you might not need to get in touch with the SSA, but be sure to stay in touch by means of your representative or solicitor. Make certain the SSA knows just how to get hold of you, in the event you move while your application is being considered. Claimants (those who are applying for Social Security disability) get denied every day because the SSA cannot find them.