06/10/2024
Why was my Social Security Disability Claim Denied?
While you may be unable to work due to your medical conditions, if you do not meet Social Security’s medical and non-medical (technical) requirements, your claim will be denied.
SSDI Requirements:
To qualify for Social Security Disability Insurance (SSDI), you need enough work credits. Generally, this means you must have worked 5 out of the last 10 years before your alleged onset date (AOD) of disability. For example, if you worked from 1990 to 2005 but became disabled in 2013, you wouldn't qualify because you didn't work 5 of the 10 years before your disability.
SSI Requirements:
Supplemental Security Income (SSI) is a need-based program with strict income and resource limits. As of 2024, if you're single, your total assets (excluding one primary car and home) must be less than $2,000. For married couples, the limit is $3,000. All forms of income, including earned and unearned income like child support, alimony, pensions, etc., are considered. The federal benefit rate (FBR) for 2024 is $914/month for individuals and $1,371 for couples. Earnings over $1,550/month ($2,590 if blind) disqualify you from receiving benefits.
Technical Denials:
A technical denial means you don’t meet the non-medical requirements, regardless of your medical condition. If your work credits, income, or assets don’t align with Social Security's rules, your claim will be denied. If this happens and the information is correct, there’s no point in appealing unless there was an error in your evaluation.
Medical Denials:
Even if you meet the non-medical criteria, you must still prove you’re medically disabled. Social Security defines disability as the inability to engage in substantial gainful activity (SGA) due to a medically determinable physical or mental impairment expected to last at least 12 months or result in death.
Want to learn more about the disability claims process? Visit our website to read more! ⬇️
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