3 Main Reasons Why the Government Denies Social Security Disability Benefits

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Social Security Disability Insurance (SSDI) is one of the least understood insurance policies available to U.S. workers. Many workers dont realize they have the income protection SSDI provides or that they contributed to the coverage with every paycheck through FICA tax payments. Based on the available statistics, however, it is important that everyone is equipped with the knowledge of the program if and when a medical condition or disability makes it impossible for them to work.

One in four 20-year-olds will experience a period of disability at some point in their working life. If it becomes severe and has a long-term impact, SSDI provides a financial backstop of income, health insurance and even return to work assistance. Also, as we continue to recognize the effects of long- COVID and other debilitating conditions, more and more individuals are turning to the vital SSDI program.

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Unfortunately, fewer than 40% of the approximately 2 million people per year who seek SSDI will receive it after all is said and done, according to figures from the Social Security Office of Retirement and Disability Policy. About 67% of initial applications for SSDI will be denied by the Social Security Administration (SSA). During the first appeal (reconsideration), only 8% of former workers will be approved; and at the hearing level, just 2% of those still appealing for benefits will succeed.

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Many simply give up trying to navigate the confusing SSDI program, some manage to recover and go back to work, and others die while waiting months or years for a decision.