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Ghitterman, Ghitterman & Feld Relentlessly Protecting California Workers' Rights Since 1956

Common SSD Application Mistakes

Applying for Social Security Disability (SSD) insurance can be a complex and confusing process. Many applicants don’t know how to fill one out properly and understandably become frustrated. It’s important to understand the eligibility requirements and why applications are sometimes not approved. Below is a guide to assist you as you go through the application process. If you’ve made any of these mistakes and had your claim denied, then GG&F will help you so that you receive the benefits you need to make ends meet.  


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Understanding Eligibility

To help you in your application process, here is an explanation of what is required to be eligible. Even if you are unable to work, that does not mean that you automatically qualify for SSD insurance benefits. First, you must have earned 40 work credits, and 20 of them must have been earned within the last 10 years unless you are under the age of 31, where the requirement is lower. Additionally, in order to be considered disabled, per the Social Security Administration (SSA) requirements, you must be:

  • Unable to perform your former job due to your medical condition
  • Unable to perform other work due to your medical condition
  • Your disability must be expected to last or have lasted at least one year or will result in your death

Some conditions automatically qualify the applicant to receive benefits, such as certain cancers, cardiovascular impairments, neurological disorders, skin disorders, or chronic kidney disease. In order to automatically qualify and get the benefits you deserve, you can provide evidence that documents the signs, symptoms, and laboratory results to confirm your diagnosis.

Application Mistakes You Need To Avoid

According to the SSA, approximately 63% of initial SSD insurance applications are denied. Additionally, they report that the acceptance rate for first-time applicants is 22%. Now that you understand how to qualify, here are some common mistakes to avoid when applying for SSD insurance benefits.

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