What are your chances of success when seeking SSD benefits?

Feb 16, 2023 | Social Security Disability

Some people don’t realize how precarious their financial situation really is because they have a steady stream of income. When that income is unexpectedly compromised, someone’s financial obligations can become overwhelming very quickly. For example, for the average working adult, all it takes is one serious medical condition to dramatically alter their economic circumstances.

Disabling medical conditions can force people to leave their work and may also result in huge medical care costs. When someone loses their job, their health insurance is often at risk as well. They could fall behind on credit card payments and even on mortgage and car payments. Social Security Disability Insurance (SSD) benefits serve as a key form of protection for many working adults who are faced with circumstances like these.

Someone who can no longer do their job because of a medical issue can potentially get benefits that help replace some of their lost income. You have probably heard, as many people do, that it is very difficult to secure SSD benefits. As a result, you may be wondering what your chances are of success if and when you apply.

The average success rates for initial SSD claims are low

The Social Security Administration (SSA) has a very strict standard for total disability, and individuals without sufficient medical evidence often struggle to get benefits.

The SSA provides information about the outcome of applications for transparency’s sake. According to approval rates between 2010 and 2019, only 21% of applicants received benefits when they initially applied. That is just over one in five applicants. Those who appeal do still have an opportunity to receive benefits, but it is frustrating to receive a rejection to start.

You can reduce your chances of failure

There are numerous ways for those who are applying for SSD benefits to improve their chances of success. For example, having sufficient medical evidence is also crucial for the success of a claim. A diagnosis alone will rarely get someone benefits. They will need to show how their condition affects them. Many people also bring in professional help to assist with the application process so that they do not make minor mistakes that lead to lengthy approval delays or the need to appeal.