Social Security Disability is a benefit that a person may receive if he or she is going to be incapacitated for more than 12 months of life. The Social Security Administration offers such a benefit to people who have remained in the workforce for many years and accumulated a certain number of work credits. The benefit provides the person with monies that can assist him or her with medical bills, household bills, survival and the like. The SSA has a stiff set of criteria for people who want to collect SSD, however. More than 60 percent of the claims receive a denial from the organization. The following are the top reasons that people receive a denial of their SSD benefits:
Not Enough Work Credits
The first stage that an application must go through is the monetary qualification stage. Many applicants receive an immediate denial because the applicant does not have enough work history to qualify. The application cannot progress any further in such a situation.
The Illness Is Not an Approved Illness
The illness that the applicant has must be one of the illnesses that the SSA approves. Examples of such illnesses are HIV, cancer, multiple sclerosis, major depressive disorder, diabetes and the like. The person must meet certain criteria for the organization to approve the application, as well.
Patient Is Not Ill Enough
The SSA may decide that the applicant is not ill enough to receive the benefits. He or she will have to complete a form that explains his or her level of activity. The organization may feel as though the applicant’s level of activity is too high, and that the person can conduct some level of work rather than collecting disability benefits.
Income Is too High
A disabled person is only allowed to make a certain amount of money and still qualify for the benefits. The level of income that the person can make is approximately $1,090 a month. He or she will be disqualified if the income level exceeds that amount.
Incomplete or insubstantial paperwork is a common reason for claim denial. A person’s doctor must agree that he or she is unable to perform work duties for longer than one year of time. The SSA will likely deny a claim if the applicant’s care provider does not provide strong support of the disability.
What to Do If You Receive a Denial
Every person who applies for SSD has the right to an appeal of an adverse decision. An SSD attorney at Parmele Law can offer assistance on a contingency basis. The attorney could defer retainer fees until the case ends and the disabled person receives his or her benefits. A disabled person can call for an immediate consultation to determine the validity of the case.