Social Security Disability Insurance: 10 Reasons Your Claim Will Be Denied

By California Disability Law Office – Serving Los Angeles, CA

Navigating the Social Security Disability Insurance (SSDI) process can be particularly daunting if you’re applying from Los Angeles, California. With so many applications being denied on the first try, it’s crucial to understand why claims get rejected and how to avoid common mistakes.

Here are the top 10 reasons your SSDI claim may be denied, and how to avoid these pitfalls.

Reason 1 : You Don’t Have Enough “Work Credits” To Qualify

To qualify for Social Security Disability benefits, you need to have earned enough “work credits” by paying Social Security taxes through your employment. The credits you need depend on your age and how recently you worked before becoming disabled:

• Before Age 24: At least 1½ years of work (six credits) in the three years before your disability began.
• Ages 24 to 30: Credits for half the time between age 21 and the age you became disabled.
• Age 31 and Older: At least 20 credits in the 10 years before you became disabled.

In 2025, you earn one credit for each $1,810 of earnings, with a maximum of four credits per year. The older you are and the more consistently you’ve worked, the better your chances of approval.

Reason 2 : You Presently Earn Too Much Money

If you earn above a certain threshold, known as the Substantial Gainful Activity (SGA) limit, your claim will be denied. For 2025, this amount is $1,620 per month for non-blind individuals and $2,700 per month for blind individuals.

The SSA distinguishes “earned” income (wages from employment) from “unearned” income (investments, interest, spousal income). Only earned income counts towards SGA. However, if you are working part-time but making more than the SGA limit, your claim will be rejected.

Reason 3 : Your Condition Isn’t Considered a “Disability” Under SSA Guidelines

To qualify, your condition must:

• Be listed on the SSA’s Listing of Impairments or be severe enough to be considered equivalent to a listed condition.
• Last, or be expected to last, at least 12 months or result in death.

If your condition is not listed, you must provide substantial medical evidence proving your impairment. If your evidence is insufficient, the SSA may request a Consultative Exam (CE) at their expense.

Reason 4 : The SSA Determines You Can Do Other Work

If the SSA concludes you can perform a different type of work, even at a lower skill or strength level, your claim will be denied. This is particularly true if you have skills that can transfer to a less physically demanding role. Properly documenting how your disability limits your ability to work is crucial.

Reason 5 : You Didn’t Have the Right Documents On Hand

Ensure you have the following documents ready:

• Employment history for the last 5 years.
• Pay stubs, award letters, settlement agreements, etc.
• Records of other disability benefits you’ve applied for.
• Complete medical history (doctor visits, prescriptions, tests).

Missing documentation can delay or derail your claim.

Reason 6 : Incomplete or Inaccurate Explanations

Inconsistent or incomplete explanations of your condition can lead to a denial. Carefully compile all relevant medical records, test results, and treatment histories. If the SSA has to gather these documents, it will slow down your claim processing.

Reason 7 : Lack of Objective Medical Evidence

Objective tests like MRIs, CT scans, and blood tests carry more weight than subjective reports of pain or discomfort. Claims based on conditions like Fibromyalgia, Chronic Fatigue Syndrome, or mental health disorders are often challenged unless backed by substantial medical evidence.

Reason 8 : Simple Technical Errors

Errors such as failing to provide original documents (when required) or omitting your Social Security number on submissions can result in delays or denials. Always double-check your application before submission.

Reason 9 : Missing the 60-Day Appeal Deadline

If your claim is denied, you have 60 days from the date you receive your notice to file an appeal. Missing this deadline can force you to start the application process all over again, potentially costing you months or even years of benefits. Act quickly and carefully, ideally with the help of a disability appeal attorney.

Reason 10 : Giving Up Too Soon

The SSDI process can be exhausting. But persistence is key. Even if your initial claim is denied, appealing the decision can be worth the effort, especially if your condition worsens over time. Don’t give up! Reach out to a Social Security Disability lawyer and begin the process of an appeal today.

Consult With A Los Angeles Social Security Attorney Today

Applying for SSDI benefits? The disability claims process can be daunting, but working with an experienced disability attorney from the California Disability Law Office can drastically improve your chances of success. We’ll help you prepare the necessary paperwork, present your case with care and skill, and handle appeals if needed. Have questions, or ready to get started? Reach out to us for an initial consultation today — Existing Clients: (503) 639-6666 | New Clients: (323) 540-5899 .