For most people dealing with medical issues, disability benefits are truly their last option. They may have tried everything else they could think of to treat their condition and improve their symptoms. They may have tried moving to a different position at their place of employment and various home remedies. They may have gone to see multiple doctors and specialists.
When it becomes obvious that a condition isn’t likely to improve and the individual is unlikely to return to gainful employment, then they may start considering Social Security Disability Insurance (SSDI) benefits as a way to support themselves.
SSDI benefits are earned benefits funded through Social Security contributions. Many people try to avoid seeking SSDI benefits in part because they have heard that no one ever gets approved when they first apply. Is it true that the Social Security Administration (SSA) rejects almost all applicants?
Approval rates are low
The misconceptions about SSDI benefits have some basis in reality. The majority of people who apply for benefits do not succeed. The SSA actually provides information about recent applications, including average approval rates.
When looking at applications submitted between 2010 and 2019, the final approval rate on average is 31%. Just under a third of applicants eventually receive SSDI benefits. However, the initial approval rate is noticeably lower, at an annual average of 21%. Just over one in five applicants get approved after they initially apply. Approximately 10% of applicants receive their benefits through an appeal.
What do those approval rates mean?
Applicants often set themselves up for a stressful process by applying without support. Those who have the guidance of an attorney may have an easier time managing the paperwork and collecting necessary medical documentation.
They are also in an advantageous position if they need to appeal an unfavorable determination. While many people who seek SSDI benefits do not ultimately get them, enough people do to make applying and appealing both worthwhile endeavors.
Learning more about SSDI benefits can help people evaluate their options when they can no longer work. Those with debilitating medical conditions may be eligible for monthly benefits that can help them cover basic expenses. Applicants often need help handling paperwork and appealing initial decisions, and that’s okay.