Applying for Social Security Disability in the US can be challenging, with many applicants facing denials due to common errors made throughout the process. Even small mistakes can lead to delays or denials, adding more stress to an already complex experience. By understanding and avoiding these pitfalls, applicants can improve their chances of a successful claim.
Mistake #1: Incomplete or Inaccurate Application
One of the most common mistakes SSD applicants make is submitting an incomplete or inaccurate application. The application is detailed and requires precise information about medical conditions, work history, and personal information. Leaving sections blank, providing outdated information, or omitting key details can lead to immediate rejections. Be sure to thoroughly review the application before submission, double-checking all the provided information. Include comprehensive medical documentation that explains your condition and how it affects your ability to work.
Mistake #2: Not Providing Enough Medical Evidence
Medical evidence is the backbone of any SSDI claim. Applicants must provide thorough documentation of their disability, including medical records, doctors’ statements, treatment history, and test results. Many applicants fail to gather and submit enough evidence, leading to claim denial. It’s important to include detailed notes from healthcare providers explaining your diagnosis, treatment, prognosis, and specific limitations that prevent you from working. If possible, work with your doctor to ensure they document these factors in language that aligns with the SSA’s criteria.
Mistake #3: Waiting Too Long to Apply
Some people delay their SSDI application because they are unsure if they will be out of work for an extended period or if they qualify. SSDI is for long-term disabilities that prevent work for at least a year or are expected to result in death. Waiting too long can put you at a disadvantage, as there is a five-month waiting period before benefits begin if you are approved. If you believe you meet the criteria, apply as soon as you’re unable to work. Even if your condition improves, you can withdraw your application if it turns out you don’t need the assistance.
Mistake #4: Continuing to Work While Applying
While some applicants continue working part-time or in a limited capacity, working while applying for SSDI can harm a claim. The Social Security Administration (SSA) has strict criteria for what qualifies as a “disabling condition,” meaning the applicant must be unable to engage in substantial gainful activity (SGA). For 2024, the monthly income threshold for SGA is $1,470 for non-blind individuals and $2,460 for blind individuals. Earning above these amounts can result in a denied claim, as the SSA may interpret it as an ability to work.
Mistake #5: Not Following Through with Treatment
The SSA expects applicants to follow prescribed treatments, as this shows a commitment to managing the disability. Failing to follow medical advice or attend appointments can be seen as an unwillingness to improve, and may lead to a claim denial. If a treatment is not helping or you’re experiencing side effects, consult with your doctor rather than stopping it on your own. The SSA may view non-compliance as a lack of need for benefits.
Mistake #6: Not Seeking Professional Assistance
The SSDI application process is complex and includes multiple levels of review, appeals, and often rejections. Many applicants assume they can handle the process independently, but working with a disability attorney or advocate can significantly improve the chances of approval. Professionals familiar with SSDI can ensure that applications are complete, meet SSA criteria, and are presented effectively. They can also help navigate the appeals process if an initial application is denied.
Mistake #7: Ignoring the Appeals Process
About 70% of initial SSDI applications are denied, but many applicants make the mistake of giving up after the first rejection. The SSA provides a structured appeals process, and many applicants succeed during these stages. It’s essential to file for reconsideration within 60 days of receiving a denial letter and, if necessary, request a hearing before an administrative law judge. Preparing additional evidence, working with an attorney, and being persistent can often turn a denial into an approval.
Applying for SSDI can be daunting, and it’s easy to make mistakes that could delay or prevent approval. By avoiding these common pitfalls—such as submitting incomplete applications, lacking medical evidence, and neglecting to follow through on appeals—applicants can strengthen their case and increase their chances of success. Remember, thorough preparation and attention to detail are key, and if possible, seek guidance from a professional to help ensure your application is handled properly.