SSDI Denials Explained: Getting denied for Social Security Disability Insurance (SSDI) can feel like hitting a wall—especially after gathering documents, attending doctor appointments, and patiently waiting for a decision. But here’s the truth: most initial SSDI applications are denied. That doesn’t mean you can’t win. You just need to understand why denials happen and how to steer clear of them. Let’s dive in.
SSDI Denials Explained
| Topic | Details |
|---|---|
| Denial Rate (Initial Claims) | Around 67% (SSA.gov) |
| Top Denial Reasons | Lack of medical evidence, excess earnings, incomplete forms |
| SGA Limit (2024) | $1,550/month (Atticus) |
| Appeal Deadline | 60 days from denial notice |
| Work Credit Requirement | Usually 20 credits over last 10 years (varies) |
| Official SSA Disability Resource | ssa.gov/disability |
Getting denied for SSDI isn’t the end—it’s just a detour. With the right information, preparation, and persistence, you can overcome obstacles and get the benefits you deserve. Start with strong medical documentation, stay organized, and don’t give up.
What Is SSDI and Why Do Denials Happen?
SSDI is a federal program that pays monthly benefits to people who can’t work due to a long-term disability and have worked long enough to earn Social Security credits. The Social Security Administration (SSA) reviews your medical and work history to determine eligibility. Most denials stem from technical errors, missing documentation, or failing to meet specific eligibility criteria. But with the right approach, you can drastically improve your chances of approval.
Top 7 Reasons Why SSDI Claims Get Denied
1. Insufficient Medical Evidence
The SSA needs solid, objective proof of your disability. That includes:
- Diagnostic test results (e.g., MRIs, X-rays)
- Treatment history
- Physician statements outlining your limitations
Tip: Ask your doctor to clearly state how your condition prevents you from working. Source: True Link Financial
2. Earning Over the Substantial Gainful Activity (SGA) Limit
If you make more than $1,550/month (2024) from work, SSA assumes you’re able to work. Source: Atticus
3. Lack of Work Credits
To qualify, you need enough recent work credits. Generally, that means working 5 of the last 10 years. Check your status: SSA Work Credits
4. Not Following Prescribed Treatment
If you’re not attending therapy, taking medications, or showing up for appointments, SSA may assume your condition isn’t serious. Tip: Always follow your doctor’s treatment plan.
5. Incomplete or Inaccurate Application Forms
Missing documents, wrong dates, or unclear answers can cause delays or outright denials.
6. Short-Term or Non-Severe Disability
SSDI is only for long-term or permanent disabilities expected to last at least 12 months or result in death. Source: Kraft Law
7. Failure to Cooperate With SSA
Not responding to phone calls, ignoring requests for info, or skipping scheduled exams? These will tank your case. Advice: Be responsive. Keep lines of communication open.
How to Avoid SSDI Denials
Step 1: Gather Strong Medical Evidence
Work closely with your healthcare providers to document your condition. Include:
- Treatment timelines
- Doctor’s statements
- Functional limitations (what tasks you can and can’t do)
Step 2: Watch Your Income
If you’re earning any money, ensure it stays below SGA levels. Use SSA’s SGA resource for updates.
Step 3: Check Your Work Credits
You can check your credits by logging in at SSA.gov.
Step 4: Follow Doctor’s Orders
Don’t skip medications or therapy. SSA checks if you’re doing everything possible to manage your condition.
Step 5: Double-Check Your Application
Before submitting:
- Review all fields
- Attach all required documents
- Ensure your personal information matches SSA records
Step 6: Show Your Disability is Long-Term
Include statements from doctors that project how long your disability will last.
Step 7: Stay in Touch With SSA
Always respond to letters, calls, and exam requests.
What to Do If Your SSDI Application Is Denied
You Have 60 Days to Appeal
The appeals process includes:
- Reconsideration
- Hearing with an Administrative Law Judge
- SSA Appeals Council Review
- Federal Court Review Start here: SSA Appeals Process
Get Legal Help
A disability attorney can:
- Help file paperwork
- Represent you at hearings
- Improve your chances of winning Resource: DisabilityTips.org Guide
FAQs on SSDI Denials Explained
Q1: Can I reapply after a denial?
Yes, but appealing is usually faster than starting over.
Q2: Do I need a lawyer?
Not required, but highly recommended for appeals.
Q3: How long does the appeal take?
Anywhere from a few months to over a year, depending on your case.
Q4: Is mental illness covered?
Yes, but must be supported by strong medical documentation.
Q5: How do I know if I have enough work credits?
Create an account at SSA.gov to check.
