Social Security Disability Insurance (commonly referred to as SSDI) is a federal program run by the Social Security Administration that provides monthly disability benefits to people who become disabled before their age of retirement and cannot earn enough money to support themselves. However, as per the latest statistics, almost one-third of the SSDI applications received each year are flat out rejected. Read on to learn the most common mistakes people commit while filing for SSDI and how best to avoid them.
Insufficient “working credits” to qualify
In order to fit the bill for Social Security disability benefits, you need to have worked for a sufficient period of time in the past. The SSA requires a work history of at least 1.5 years of work if you get disabled before 28 for example. Basically, the older you are and the more you have worked as of late, the better probability you have of getting your benefits.
Making more money than you are eligible for
As of 2015, your monthly income should not exceed $1,090 ($1,820 a month in case you are visually impaired) so as to be eligible for SSDI. Drawing income from investments or trusts, receiving workers’ compensation money, etc. may make you ineligible for SSDI.
Not qualifying as “disabled” under the Social Security Administration laws
To qualify for disability benefits, the SSA requires your disability to have lasted for no less than 12 months, or be sufficiently critical that it is going to result in your demise. Additionally, your condition must be on the SSA’s listing of impairments.
Being able to earn in a different but related job
If you are capable of doing some kind of work – regardless of the possibility that it is not the same work you did before – your application may be denied. An analyst will make a determination about your capacity to work.
Failure to submit the correct documents
SSA requires you to submit multiple documents and reports about your salary, work history, applications for other disability benefits, and your medical history, and that’s only the tip of the iceberg. Be sure to include a list of jobs you had up to 15 years preceding your disability, pay stubs, grant letters, settlement agreements, workers’ compensation benefits, state or local government disability protection or military disability benefits in your file of documents. Do not forget your medical records, test reports, and all other information about the doctor under whose care you have been.
Finally, be honest with whatever your situation is and do not try to mislead the officials with false, fabricated, or erroneous documents. In case you don’t understand something, it is better you ask for clarification, or better still, contact a Social Security attorney who shall be able to guide you through the entire procedure.
Speak to an Experienced Florida Social Security Disability Attorney Today
As you can see, applying for SSDI can be challenging and you are likely to have your application denied, at least initially. At Hoffman, Larin & Agnetti, P.A. our team of experienced Florida Social Security disability benefit attorneys offer free consultations so that you, or a loved one, can learn your rights under this vital program. There are no fees for representation before the Social Security Administration in disability claims, unless we win. We have offices in Dade, Broward and Monroe Counties for your convenience.