For disabled workers and their families, Social Security disability (SSD) benefits represent a crucial way to financially carry on with their lives as best as they can. Granted, they will not receive the same amount of money that they would have if the main income earner continued to work.
If you suspect that you qualify for SSD benefits, it is crucial to seek them. However, do not make assumptions that you automatically will receive those benefits. During the application process, some people make mistakes and then wonder why the Social Security Administration (SSA) rejected them.
Assuming eligibility, incomplete records
Here are some mistakes that people sometimes make when researching and applying for SSD benefits:
- Presuming that you are eligible: Your job must be covered by SSA laws, and you should be paying into the system. You also must have worked long enough to secure enough work credits and cannot work for at least a year. Also, not every physical or mental disability qualifies you for SSD benefits. Have a firm understanding whether your ailment qualifies
- Assuming you will receive benefits: Between 2009 and 2018, denied disability claims averaged 66%. During that timeframe, the SSA awarded only 21% of applicants who made initial claims. Roughly 11% of applicants were awarded benefits after reconsideration and appeals. That means just 32% of applicants received a final award during that 10-year period.
- Neglecting to thoroughly organize your paperwork: Organization is crucial. Often, the SSA denies claims because the proper documentation was not in place. Applicants must retain thorough medical records, including accident reports, physician visits, surgeries and test results.
Avoiding these mistakes will gain you a much chance in securing SSD benefits.
Apply for benefits and understand the rules
Do not hesitate to apply for SSD benefits. However, when you do, make sure to understand the guidelines and follow every direction during the application process. Seeking insight from a knowledgeable legal ally would be a good idea, too.