Beware of Ten Mistakes after Social Security Denies Disability... (After SSDI Denial There are many reas...)

Beware of Ten Mistakes after Social Security Denies Disability Benefits

Date:10/31/2008

After SSDI Denial

There are many reasons why an SSDI application can be denied, but the following are some insights on common mistakes that can worsen the situation for someone who is dealing with the next steps after a denial of benefits.

1. Many applicants give up. Applying for SSDI benefits is not an easy process. It's not as simple as applying for Social Security retirement. In the retirement program, once someone reaches the appropriate age, he or she can file and begin receiving benefits. On the other hand, SSDI is administered under a review process that requires applicants meet certain guidelines.

In addition, more than two-thirds of the 1.5 million people who apply each year are denied at the initial level (first level) of application. But more than two-thirds of claimants who reach the hearing level (third level) are awarded their benefits. "There can be a significant value to having patience and hanging in for the long haul,'' said Ms. Ratermann. ''This means you'll need to appeal."

2. Applicants miss the appeal deadline and re-apply (sometimes several times) at the initial level. ''By doing this, you are literally spinning your wheels,'' Ms. Ratermann said. "If you were not awarded at the first level, it's highly unlikely you would be awarded when applying at the first level again."

3. Applicants decide not to appeal. There can be a couple of factors in this decision, including claimants' fear of pursuing the application after being told they weren't disabled. "If you are not capable of going back to work because of your disability, you really are

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