When an unexpected medical condition arises, you may find yourself one of the millions of people applying for SSDI.
Unfortunately, according to the Social Security Administration, approximately 67% of initial claims get denied. While every person has a different situation, three main factors play into a denial.
1. Earned too much income
Although you can still work a minimal amount, the SSDI has a substantial gainful activity limit. The 2022 SGA limit equates to $1,350 or $2,260 for a blind person. If you make more than that amount, you lose the benefits or get denied them. The SGA does not include investment income.
2. Failed to follow medical treatment
Determining if you have a disability requires medical documentation. If you stop seeing your doctor regularly or do not attend prescribed therapies or treatments, you will likely get a denial. Any gaps in your medical care provide may make it difficult for the SSA examiner to clearly identify you have a clear claim. The SSA does allow for some legitimate reasons for not following medical advice but proving that comes with complications.
3. Sustained insufficient injury
To receive benefits, your impairment comes with a timeline. The SSA requires that your medical conditions last a minimum of 12 months or may result in death. Even if you have broken bones that keep you from working, the SSA sees those as injuries that will heal within a year. Once you have met the time requirements, you also have to prove the severity of the condition.
The inability to work causes stress on many levels. Even if your claim gets denied, you have options for an appeal.