Social Security Disability Insurance (SSDI) is a crucial safety net for individuals who cannot work because of debilitating medical conditions. In Indiana, just as in many parts of the U.S., the application and approval process for SSDI can be complex and difficult to navigate. It’s disheartening when deserving applicants are denied by the Social Security Administration (SSA). However, understanding why such denials occur is the first step that could help avoid them or at least increase your chances of winning a successful appeal.
Lack of sufficient medical evidence
The Social Security Administration relies heavily on medical evidence to determine disability, so they will meticulously review all medical records submitted with the application. Often, denials occur because the applicant’s medical evidence does not provide enough information about their condition and how it affects their ability to work.
To avoid this issue, individuals must gather and submit thorough medical documentation, including diagnoses, treatment plans and any relevant test results or imaging. It may also be beneficial to include statements from treating physicians or other medical professionals that provide further insight into the individual’s condition and limitations.
Insufficient work history
To be eligible for SSDI in Indiana, you must have worked enough to earn a certain number of “work credits.” The exact number of credits required depends on your age when you become disabled. For example, if you are 35 years old when you become disabled, you would need work credits earned in at least half of the 13 years (35 – 22) between the ages of 22 and 35.
In this instance, SSD-denied claims often occur with younger individuals who may not have had the opportunity to accumulate sufficient work history because of their age or other circumstances. Fortunately, there are other options you can explore, like Supplemental Security Income (SSI), that do not require work credits.
It’s important to remember that you can always appeal a denied claim in Indiana. Look closely into why SSA has denied your claim and gather any missing documentation or information to support your claim.