Common Reasons SSDI Claims Are Denied — And How to Avoid Them

If you’re considering applying for Social Security Disability Insurance (SSDI), you may have heard that many first-time applications are denied. In fact, about 70% of initial SSDI claims are denied by the Social Security Administration (SSA).

While this sounds discouraging, understanding the most common reasons for denials can help you avoid mistakes and build a stronger claim from the start.

Lack of Medical Evidence

One of the top reasons SSDI claims are denied is insufficient medical proof that your condition prevents you from working.

How to avoid this: Be thorough and organized. Provide detailed medical records, test results, and doctors’ notes that clearly explain your condition and how it limits your daily activities and job duties.

Not Following Prescribed Treatment

If you don’t follow your doctor’s recommended treatment plan — such as taking prescribed medications, attending therapy, or following up on specialist referrals — the SSA may deny your claim. They need to see that you’re doing everything possible to improve your condition.

How to avoid this: Always follow your treatment plan and keep records of appointments and prescriptions. If you can’t afford treatment, tell the SSA — they may consider your financial situation.

Earning Too Much Income

If you’re working and earning more than the Substantial Gainful Activity (SGA) limit, your claim could be denied because the SSA may determine you’re not fully disabled.

How to avoid this: Make sure your earnings stay below the SGA limit during your application process. For 2025, that’s $1,620 per month for non-blind applicants and $2,700 for blind applicants.

Not Enough Work Credits

SSDI is an insurance program, so you need enough recent work history to qualify. If you haven’t worked enough years or paid into Social Security taxes, you might not be eligible.

How to avoid this: Check your Social Security Statement online to confirm your work credits. If you don’t qualify for SSDI, you may still be eligible for Supplemental Security Income (SSI).

Missing Deadlines or Forms

Failing to submit forms on time or respond to SSA requests can result in an automatic denial.

How to avoid this: Stay organized, keep copies of everything, and respond to SSA letters quickly.

What to Do If You’re Denied

If your SSDI claim is denied, don’t panic — many people win benefits during the appeal process. You have the right to appeal and present more evidence to strengthen your case.

Need Help with a Denial or Appeal?

If you’ve received a denial letter or want help applying the right way, contact us today. Our team is ready to guide you every step of the way and fight for the benefits you deserve.