Not much can ensure that you will be awarded Social Security Disability Insurance benefits (“SSDI” or “disability benefits”), but some things can almost guarantee that your claim will get denied.
Here is one of them.
Waiting Too Long To Apply for Disability Benefits.
A number of things can derail your application: incomplete information, missing medical records, gaps in your medical treatment, or a disability that is hard to document. But if you wait too long to apply for disability benefits, you could run into problems that could make it nearly impossible for you to be awarded benefits.
For example, if you wait until you have lost your medical insurance to apply for benefits, you may be in a position where you can no longer seek the medical treatment you need because you cannot pay for it.
Why does this matter?
Because the SSA doesn’t just want medical records that show you have been disabled, they want medical records that show you are disabled now.
Past medical records have their place of course, but what the SSA focuses on when you apply for benefits is whether you are currently disabled and unable to work full-time or on a consistent (“substantial gainful activity” level) basis.
That means that the SSA wants medical records that are no older than 90 days old. If you are unable to get medical treatment regularly, and especially if you need to see a specialist but cannot, this can seriously impact your SSDI application. Having consistent medical care through the time when you are applying for disability benefits is important to winning your claim.
If you are no longer receiving medical care, all is not lost. It is still possible for you to qualify for benefits. The point we want to stress, is that you should not wait until you can no longer afford medical care before you apply for disability benefits.
Applying for SSDI benefits is never an easy process to go through and winning benefits can be a feat in itself. So give yourself the best chance possible and don’t wait until you lose your medical insurance to apply.
We Can Help.
If you have been denied benefits, call us. We are experienced social security disability attorneys with offices in Springfield and many other cities in Missouri, Kansas and Illinois, and in Tulsa and Oklahoma City, Oklahoma. We offer FREE consultations and we do not get paid unless you win your case. Call us at 855-727-8625 or email us here and schedule your free consultation today.