Anyone living with a disability understands the physical, emotional, and financial impacts that it can have. The Social Security Administration (SSA) provides financial assistance to individuals whose disabilities prevent them from working and earning an income. Social Security Disability
Insurance (SSDI) provides members of the workforce who have developed disabilities or medical conditions that interfere with their ability to hold a job to access financial assistance as long as they meet the eligibility requirements. Supplemental Security Income (SSI) is another welfare program that provides monthly payments to individuals with disabilities and older adults who have little to no income or financial resources. Unfortunately, many people who apply for Social Security Disability benefits get denied after the initial application. According to data made available by the SSA, approximately 67 percent of all disability claims were denied between 2010 and 2019 (the most recently available data). This illustrates the many challenges that applicants face when seeking the financial support they need.
However, it’s important to understand that if you were denied disability benefits, you may have other options for pursuing the benefits you deserve. The Social Security Administration allows those whose claims have been denied to appeal the decision. While the prospect of wading through a disability benefits appeal may seem daunting and confusing, you do not have to navigate this process on your own. Enlisting the guidance of an experienced and caring Michigan SSDI and SSI attorney is the best way for you to maximize your chances of securing the benefits you deserve and move through each step of the process with greater clarity and confidence. Let’s take a look at some of the most common reasons for an SSDI or SSI denial and how you can appeal the denial to secure the benefits you need to move forward.
Common Reasons for Disability Benefits Denials
There are several reasons why the SSA denies a disability benefits application. When you receive notice that your application has been denied, it’s important to review it carefully and thoroughly to determine how you can appeal the decision and provide compelling evidence in support of your request. Below are just a few of the reasons why your SSDI or SSI application may be denied. For more detailed information, contact a qualified Social Security Disability attorney.
Incomplete or Inaccurate Application
It is essential to review your application before submitting it to ensure that all items are completed and accurate. Applications with missing or inaccurate information will likely be denied. For an optimal application, ensure that you provide accurate and detailed information about your medical and employment history.
Failing to Meet the SSA’s Definition of Disability
The Social Security Administration (SSA) has a clear definition of disability that an applicant must meet in order to qualify for disability benefits. According to the SSA, “You must not be able to engage in any substantial gainful activity (SGA) because of a medically determinable physical or mental disability(ies) that is either: Expected to result in death; or Has lasted or is expected to last for a continuous period of at least 12 months.” You must also include documentation of your disability with your application so that the SSA can determine whether your disability meets the eligibility requirements. If the SSA determines that the severity of your disability will not affect your employment or that your disability will not last a full 12 months, it will likely deny your application.
Not Providing Medical Records
The SSA needs authorization to access your medical records to assess your disability. It is important to provide this authorization so that the Agency can review and process your application. Without your medical records, SSA may issue a denial. It is also important to update them on upcoming appointments or procedures so they can stay up-to-date with your medical treatment.
What Happens If You Are Denied Social Security Disability Benefits?
Learning that your disability application has been denied can be frustrating. However, a denied application is not the end of the road. Every applicant has the right to challenge the denial by filing an appeal An appeal must be filed within 60 days from the date of the written notice of the denial, or you risk losing your right to appeal. The SSA website provides more information about how to appeal a denied disability claim. The appeal process is outlined below.
File a Request for Reconsideration
If this is your first denial, you can appeal the decision by submitting a request for reconsideration. After submitting this request, SSA may ask for updated information and review your claim. In some cases, this request for reconsideration results in the approval of your application, which means you will start receiving benefits at that time.
Request a Hearing With a Judge
If your application is denied after the request for reconsideration, you have the right to request a hearing before an administrative law judge (ALJ). While this stage may seem daunting, you have the right to an attorney to help you prepare for the hearing, gather compelling evidence, and advocate for your best interests at every opportunity.
Learn More About Your Rights and Options Today
If you have questions about applying for SSDI or SSI benefits in Michigan, or if your application has been denied and you are wondering how you can appeal the decision, the dedicated and caring SSDI attorneys at Warren & Schairbaum PLLC are here to help. Please call our Ann Arbor office today at (734) 769-9300 to discuss your options with one of our trusted and experienced legal professionals.