The Social Security Administration rejects a large proportion of disability claims. There are several reasons behind claim denials. Many applications do not contain the required documents or have large numbers of errors that disqualify the person for benefits. People are often confused about whether their claim is adequate to receive benefits.
Here are some signs that your application will receive successful acceptance from the SSA and other companies offering disability insurance. Check their website here www.caveylaw.com.
It can be demoralizing to read the data on disability approval. But keep in mind that millions of people get them. Do not hesitate to ask for assistance if your health prevents you from working.
What makes you eligible for receiving SSDI benefits?
1. The claimant is unable to engage in activities that can provide income
Your testimony is essential to receiving disability approval. But on its own, it rarely suffices. Furthermore, it lacks the impact of real-world examples.
If you can demonstrate that you struggled in the past few months that you worked or that your employer penalized you (or fired you) because you could not perform as expected, your disability claim will be stronger. In fact, you have a stronger chance of winning if a former employer attests in writing or testifies in person that your performance suffered as your illness worsened.
Similarly, if provided by an impartial third party, data suggesting you attempted to return to work but were unsuccessful due to physical or mental limitations is credible.
2. Inability to work for a year due to disability
The SSA does not grant provisional or partial disability benefits. Rather, you must demonstrate that your medical conditions have persisted for or are anticipated to persist for a continuous 12-month period.
In order to be authorized, you must provide proof that you have been unemployed for at least a year or that you have long-term limitations that keep you from working.
In addition, it is advised to request a note from your attending medical professionals outlining the duration of your restrictions.
3. Accumulation of adequate work credit
An insurance program is Social Security Disability. But to obtain coverage, you must accrue work credits rather than paying premiums like you would with auto insurance.
When you pay Taxes, you accrue work credits. You could garner up to four employment credits per year.
Based on the age you claim you became disabled, the SSA calculates the number of credits you need to be eligible for disability benefits. Typically, you must possess a minimum of 40 work credits, 20 of which must have been acquired within the last decade. Nevertheless, other work credits extend in specific instances. For example:
- Younger than 24: Individuals who obtained six credits in the three years preceding the beginning of their handicap may be eligible.
- Between 24 and 30 years old: Individuals need to have earned job experience equivalent to the time they put in between turning 21 and becoming incapacitated. For instance, you would need to have been employed for three years and accrued 12 credits if you became incapacitated at the age of 27.
- Age 31 or older: Individuals must have accrued 20 or more work credits during the ten years before their incapacity.
4. Accumulation of adequate medical records
Numerous claims are decided by the SSA using medical data. Therefore, there is little likelihood that you will be authorized if you do not produce medical documents.
It is advised that you include a mountain of supporting documentation with your application for disability. After that, as long as you get treatment, you should keep adding to the evidence.
To support your claim of disability, you should furnish the following clinical reports and documents:
- notes from office visits
- reports from your orthopedic surgeon or neurosurgeon regarding operations
- reports on the findings of x-rays, MRIs, and Computed tomography scans
- documents from pharmacies demonstrating the use of prescribed drugs
- Reports from the Functional Capacity Evaluation
- if you were given permanent impairment ratings as part of a workers’ compensation case
In addition, it is advised that you ask your doctor to respond to or finish a questionnaire about your diagnosis, any applicable impairment listings, and your mental and physical work limits. A doctor’s disability letter is what it is called.
The SSA is more inclined to approve your claim of disability based on the opinions of your treating doctor if:
- The physician has long offered medical care.
- Over this time, you have visited the doctor several times.
- The doctor has ordered the necessary tests and examinations or has referred you for them.
- The medical professional is a specialist, not just a generalist.
- You sought medical attention to improve only to gain views about your impairment.
Therefore, make every effort to seek treatment as soon as feasible.
5. You should be aged 50 or above
As you age, the Social Security laws make it simpler to be approved for disability. These laws are named the Medical-Vocational Regulations, or “Grid Rules,” in brief.
For instance, many find it easier at 50, then again at 55, and once more at 60. You should apply if you are 50 years old or older and suffer from a severe medical condition that prevents you from performing any work you have done in the previous 15 years.
You might still be eligible for disability even if you are young. You must demonstrate that you cannot perform your previous work or full-time employment, not that you are bedridden.
6. Consultative Examination Doctor Thinks You are Disabled if You Meet the Requirements
Before deciding on your disability claim, the SSA may order a diagnostic exam.
A consultative exam is a physical conducted by a physician with experience treating ailments similar to those you claim to have. Your treating physician could perform the consultation exam, but I think it is more typical for a doctor you have never met or heard of to do it. The SSA will typically conduct a consultation exam if you have not supplied adequate office visit records from your attending doctors or opinion evidence.
Following the evaluation, the doctor performing the consultation exam will create a report outlining your credibility, diagnosis, and constraints.
Your application for SSDI or SS is most likely to be granted if the doctor’s examination reveals limits that meet the SSA’s definition of impairment.