When workers become disabled or unable to perform their assigned duties before they reach retirement age, they may be eligible to receive benefits through the Social Security disability insurance (SSDI) program. Of course, there are several requirements that an individual must meet in order to qualify. In general, if you have worked in a job for several years and you paid Social Security taxes (FICA) and earned a specific number of work credits, you would likely be eligible to receive SSDI benefits. However, workers often find themselves seeking these benefits when they become disabled, only to have their claims rejected. Let’s take a closer look at some common reasons that SSDI benefits may be denied.
Reason #1: Your Disability is Short-Term or Mild in Nature
Social Security Disability benefits are designed to help workers who suffer severe or long-term disabilities—not minor aches and pains. In order to qualify, you must show that your disability is likely to last at least one year, or that the impairment will be permanent. This is why many claims that result from car accidents are denied, as the injuries (like broken bones or sprained joints) typically heal much sooner than 12 months. It really comes down to the specifics of your situation, and the Social Security Administration (SSA) will evaluate your claim on an individual basis to determine whether you qualify for SSDI benefits.
Reason #2: You do not Comply With Your Doctor’s Orders
The purpose of accessing SSDI benefits is to help you gradually heal from your long-term disability so that you can re-enter the workforce. However, if the SSA finds that your doctor has prescribed you a certain treatment plan that you are not following, then your claim may be denied. For instance, if you are supposed to attend physical therapy sessions, but you consistently skip these appointments, the SSA will likely deny your benefits because you are not participating in your own recovery. If you wish to receive your SSDI benefits, be sure to work with your doctor to create a therapeutic plan that you can follow.
Reason #3: Communication With the SSA is Too Difficult
The process for requesting and receiving SSDI benefits is often lengthy and full of many steps. The SSA and the Disability Determination Services (DDS) need to be able to contact you and discuss your application. It’s important that you return their calls and make yourself available throughout the process, or else your claim may be denied simply because these agencies cannot locate or communicate with you. If you feel overwhelmed by the SSDI claims process, you can reach out to an insurance advocacy lawyer to handle these communications on your behalf. While you focus on your recovery, your attorney will work to explain your circumstances to the SSA and advocate for your best interests.
To learn more about accessing SSDI benefits in the Jasper area, schedule a free consultation with the dedicated and friendly insurance advocacy attorneys at Bevill & Bevill, LLC today by calling (205) 512-9550.