For those who suffer a disabling medical condition, holding a job can be difficult. Many people with disabilities struggle with the daily challenges for months or even years before it finally becomes too much and they apply for Social Security disability benefits. However, the approval numbers for first-time applicants in Indiana and other states are well below 50 percent. This makes it imperative to be precise in filing a complete SSDI application with all the required supporting documentation.
An SSDI threshold requirement is eligibility as determined by earning work credits. For most individuals, this means working five of the last 10 years. Additionally, if a claimant is still working, they cannot be working too many hours or earn too much money. A denial based on any of these reasons is considered a technical denial. However, disability experts, report that the majority of denials are based on a medical record that is insufficient to meet the Social Security Administration's definition of disability.
SSDI examiners place a great deal of weight on the medical records a claimant submits. It's important that the records contain not only test and lab results but also a statement clearly indicating the diagnosis, prognosis, specific limitation and how those limitations impact daily life and work capability. Without this type of record, it's often impossible for the examiner to conclude the claimant is disabled.
It can be discouraging when a disability application is denied, but an experienced Social Security disability lawyer can explain that many claims that are complete are denied not only on the initial application but also on reconsideration. It is important to be persistent and continue the appeal process to the level of the disability hearing.