FAQs

First, it is important to recognize that a staggering number of legitimate Social Security applications are denied each year. In fact, a majority of claims are initially denied. Do not give up hope: Many individuals secure favorable decisions through appeals. Still, there are certain things you should keep in mind to reduce the odds of a denial.

Some of the most common reasons Social Security applications are denied include:

• Too many resources. Applicants seeking SSI benefits must not exceed strict income or asset limits. If you make too much or have too much property, you will not qualify, and your application will be denied.
• Not enough work credits. Applicants requesting SSDI benefits must have a sufficient number of work credits for their age group. Retirement-age applicants will generally need 40 work credits, but younger applicants who can no longer work due to a qualifying disability may need less. Your application will not be approved if you do not have enough work credits.
• Not enough medical evidence. You must provide an exhaustive level of documentation to prove you have a qualifying disability that prevents you from working for at least one year (or is expected to result in your death). Your application will be rejected if the person evaluating your application is not convinced you have a qualifying disability.
• Failure to follow treatment advice. If an SSA examiner or DDS believes you did not follow your doctor’s treatment plan, they will most likely deny your application.
• Failure to follow instructions. During the application process, an SSA examiner or DDS may reach out requesting additional evidence or information. They may also ask you to attend one or more medical appointments. If you ignore or do not honor these requests, your application will most likely be denied.

To qualify for either Social Security program, your medical condition must be “severe” and prevent you from working most types of jobs. This disability must also be expected to last for at least one year or result in death. Though the SSA does maintain a list of qualifying disabilities, determining whether your condition meets the agency’s definition can still be confusing. We can assess your circumstances and advise whether your disability is likely to qualify for SSDI and/or SSI benefits.

Examples of qualifying disabilities include:

• Blindness
• Cancer
• Cardiovascular disorders
• Digestive system disorders
• Hematological disorders
• Immune system disorders
• Mental disorders
• Neurological disorders
• Respiratory disorders

The answer will depend on when you are attempting to obtain SSDI benefits. Generally, the younger you are when you become disabled, the fewer work credits you will need. If you are retirement age, you will need 40 work credits.

In 2022, you receive one work credit for every $1,510 you earn. This rate is adjusted annually. Keep in mind that you can only earn up to four work credits per year, meaning you will need to work for at least a decade to obtain 40 work credits.

Both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are managed by the Social Security Administration (SSA) and provide monetary benefits to qualifying individuals. While they may sound similar, the eligibility requirements for each program are different.

To qualify for SSDI, you must have a qualifying disability and have enough “work credits.” You automatically earn work credits by working and paying Social Security taxes.

To be eligible for SSI, you must have a qualifying disability or be at least 65 years old. You must also have little to no income or assets.

It is possible to qualify for both SSDI and SSI. Our legal professionals can review your unique circumstances and determine your eligibility for each program.