Social Security Disability Insurance (SSDI) benefits are an important form of protection for working adults. If illnesses or injuries render people incapable of working, SSDI benefits can help them cover their basic expenses.
Professionals who have worked for long enough to qualify for SSDI benefits may apply when they realize they can no longer continue working. Unfortunately, applying does not guarantee benefits. In fact, many theoretically qualified applicants received denial notices instead of approval letters from the Social Security Administration (SSA). Those denied benefits by the SSA have the option of appealing. During an appeal, applicants can correct paperwork issues and submit additional medical evidence.
Is initiating the appeals process worthwhile for those who cannot work and who have not received approval when initially applying for SSDI benefits?
Appeals increase approval odds
When looking at the SSA’s information about SSDI applications, it quickly becomes clear that appeals can be beneficial. Between 2010 and 2019, an average of 21% of applicants received approval for benefits when they initially applied.
Roughly another 10% of applicants annually then receive benefits during the appeals process. Given that approximately one in three SSDI recipients secures their benefits through an appeal, taking timely action after a rejection is often a smart move. Most of those approved during an appeal have to attend a hearing in front of an administrative law judge, but some applicants may receive benefits after a reconsideration.
Appeals can lead to backdated benefits
Applicants denied benefits have the option of reapplying or appealing. If they reapply, they could theoretically lose some of the benefits that they deserve. Those who reapply instead of appealing generally lose the right to backdated benefits based on the date when they initially applied.
If applicants receive approval during the appeals process, the SSA can provide them with backdated benefits. They could receive a lump-sum payment for the benefits they could have received with a prompt approval. Those benefits can help people with disabling medical conditions catch up on their past-due bills.
Reviewing a rejection letter from the SSA with a skilled legal team can help applicants decide the next step as they seek SSDI benefits. SSDI appeals may take months to complete but are often necessary for those not approved initially.
