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5 Reasons for Disability Claims to Be Denied

Disability insurance is a critical safety net, offering financial stability to individuals hindered by medical conditions. While this safety net is invaluable, the road to obtaining disability benefits can be arduous, with claims occasionally denied for various reasons. 

Recognizing and comprehending these factors behind claim rejections is instrumental. With this knowledge, individuals can more easily maneuver the complex claims process, significantly enhancing their prospects of successful claim approval. Navigating the intricate web of disability claims becomes more manageable when equipped with insights into these common hurdles.

1. Age-Related Considerations

The Social Security Administration (SSA) sets a minimum age of 18 for disability benefits. However, the SSA evaluates disability claims for children and young people differently. When applying for disability payments, it is important to understand these age-related differences.

2. Educational Background Assessment

The SSA considers education level part of its disability evaluation process. However, it’s essential to note that education alone does not determine disability. Disabilities can affect individuals regardless of their educational background. By understanding how education is factored into disability determinations, applicants can better prepare their claims.

3. Severity Criteria

The SSA defines disability as a medical condition that prevents an individual from engaging in substantial gainful activity for at least 12 months. While this criterion may seem strict, it’s crucial to acknowledge that the SSA aims to support those with severe impairments. Learning more about the criteria for disability severity can assist applicants in making compelling claims.

4. Occupation-Based Assessments

The SSA evaluates disability claims based on whether applicants can perform their current job. However, it’s important to understand that having the ability to fulfill current job responsibilities doesn’t necessarily equate to overall work capability. Many individuals can manage their current roles but face significant limitations due to disabilities. Recognizing how occupation factors into disability determinations can be crucial when applying for benefits.

5. Job-Seeking Efforts

To qualify for disability benefits, the SSA requires applicants to demonstrate an effort to find suitable work. While this requirement exists, it’s essential to recognize that many disabled individuals encounter significant barriers in their job search due to discrimination and workplace challenges. Understanding the SSA’s expectations regarding job-seeking efforts can help applicants present a stronger case.

How to Be Prepared

Gaining insights into the prevalent factors contributing to disability claim denials and thorough preparation when pursuing benefits can greatly enhance the likelihood of a favorable outcome. Disability insurance is a vital lifeline during challenging times, offering crucial financial support when needed.

At Regas & Haag, Ltd., we are dedicated to assisting individuals throughout this journey. Our experienced disability lawyers have a proven track record of advocating for clients, providing expert analysis, and representing them diligently in the complex world of disability claims. Your financial well-being and peace of mind matter to us. If you’ve faced a denial, take action today. Contact Regas & Haag, Ltd. for the support and guidance you deserve in securing the benefits you are entitled to. Your future depends on it.