Whether an individual has to cope with an injury, a chronic illness, or any condition that makes it difficult to work, life itself can throw unexpected challenges at any time. In such cases, Social Security benefits can work as a safety net. But navigating the system is extremely challenging for some people. Going through claims for social security is not a matter of just filling out a form; it takes a level of comprehension of legal work that can be tedious at best.
The goal of this article is to provide information regarding social security details, such as claims, denials, and getting approvals, focusing on social security issues that are tied to livelihood and social well-being.
What Are Social Security Claims?
Social claims are a type of request made to the Social Security Administration (SSA) to obtain disability or retirement benefits. Within disability claims, there are two main categories of programs one can apply for:
- Social Security Disability Insurance (SSDI) is for individuals who have worked and paid into the system through tasks such as payroll taxes.
- Supplemental Security Income (SSI) is for individuals who have a very limited income with scant resources, regardless of whether they have ever worked.
The SSDI/SSI claims processes, regardless of what the applicant selects, require thorough documentation in support of claims for either discretionary income benefits or retirement benefits.
Who Qualifies for Social Security Disability Benefits?
To qualify for SSDI, you must:
- Have a medical condition that meets the SSA’s definition of a disability
- Be unable to perform substantial gainful activity (SGA)
- Have earned enough work credits based on your age and work history
For SSI, the focus is more on financial need than work history. You must have limited income and resources and meet strict medical criteria.
Common Reasons Why Claims Are Denied
It’s an unfortunate fact: over 60% of Social Security disability claims are denied on the first try. Common reasons include:
- Incomplete or inconsistent medical records
- Failure to follow prescribed treatments
- Lack of clear evidence linking the disability to your work limitations
- Errors in the application process
- Income or asset levels exceeding SSI limits
Many claimants give up after an initial denial, but a denial is not the end—it’s often just the beginning of the appeals process.
The Social Security Claims Process: Step by Step
- Initial Application: You submit your claim online, by phone, or in person. Include all medical documentation, work history, and financial information.
- Review and Decision: The SSA reviews your application and medical records. This can take 3 to 6 months.
- Reconsideration (If Denied): If denied, you can request a reconsideration. A different examiner reviews your case.
- Hearing by an Administrative Law Judge (ALJ): If denied again, you may request a hearing where you can present your case with or without legal representation.
- Appeals Council and Federal Court: If the ALJ denies your claim, you may take your case to the Appeals Council and eventually to federal court if needed.
Each step takes time—sometimes months or years—so it’s essential to act promptly and get help early.
How to Strengthen Your Social Security Claim
- Collect and organize all relevant medical records
- Get detailed letters from treating physicians
- Keep a daily journal of symptoms and limitations
- Follow all prescribed treatments
- Avoid working above income limits if applying for SSI
Hiring a legal professional early in the process can help prevent costly mistakes and improve your odds of approval.
The Importance of Legal Guidance
The Social Security claims process is filled with technical terms, strict deadlines, and frustrating delays. A small error or omission can mean the difference between approval and denial. An experienced Social Security attorney can:
- Help you gather and submit medical evidence
- Represent you during appeals and hearings
- Communicate with doctors to obtain necessary reports
- Navigate SSA communications and deadlines
- Advocate for your best interests every step of the way
A Brighter Path Forward
Social Security should not add additional hurdles. Whether you are seeking benefits for the first time or appealing a denial, these advocates strive to improve your Social Security process.
Benefits go beyond the mere monetary aspect, as they serve as a means to achieve independence, security, and tranquility.
Ryan and Simons strive to assist people who require disability benefits at each step of the process. Having experience with Social Security claims, they work with you to make sure your voice is heard. Allow them to help you secure the benefits you’ve worked hard to receive.
