When you can no longer able to work due to a disability, you may want to apply for Social Security Disability Insurance (SSDI) benefits. Unfortunately, the Social Security Administration (SSA) only approves about 36% of claims, according to CNBC.
Often, applicant mistakes are the cause of an SSDI denial. Avoid these missteps that could prevent you from receiving the benefits you need.
Continuing to work
If you continue to work while filing a claim, the likelihood of a denial increases. The SSA will likely view your employment as evidence that your disability does not stop you from working and you do not need SSDI benefits.
Not providing enough medical evidence
You will need to show sufficient medical evidence to prove that you have a disability that prevents you from earning a living. Records of regular visits to the doctor may not be enough. Your records must demonstrate that your injury or disability is serious enough to keep you from working. Make sure to submit treatment notes and documents from your physician, particularly those excusing you from work. You should also provide copies of all relevant bloodwork results, imaging scans and mental health records.
Applying too soon
You are only eligible for SSDI benefits if your disability is likely to last at least one year. You may have difficulty demonstrating that your disability will last this long if you apply too soon.
Even if the SSA denies your initial SSDI claim, you can appeal the decision. Make sure to review your original application and avoid making the same mistakes during the appeal process.