1. Lack of Sufficient Medical Evidence

The most frequent reason for SSDI denial is insufficient medical documentation. The SSA requires clear, consistent, and current medical records that prove your disability prevents you from working. If your documentation is vague, outdated, or missing details, the SSA may reject your claim.

Tip: Always include detailed medical records, test results, treatment plans, and statements from your doctors.

2. Earning Too Much Income

If you are still working and earning more than the Substantial Gainful Activity (SGA) limit, the SSA may decide you're not disabled—even if your condition is serious. In 2025, the monthly SGA limit is $1,550 for non-blind individuals.

Tip: Make sure your earnings are below this threshold when applying.

3. Failure to Follow Prescribed Treatment

If your doctor recommends a treatment plan and you fail to follow it without a valid reason, the SSA may deny your claim. The agency needs to see that you're doing everything possible to manage your condition.

Tip: If you have a legitimate reason for not following treatment (e.g., severe side effects, religious beliefs), be sure to explain it in your application.

4. Your Condition Is Not Severe Enough

To qualify for SSDI, your condition must prevent you from working for at least 12 months or result in death. If the SSA believes your condition doesn’t meet this standard or isn’t severe enough to interfere with basic work activities, they’ll deny your claim.

Tip: Emphasize how your condition affects your ability to perform daily tasks, not just your job.

5. Not Enough Work Credits

SSDI eligibility depends on your work history. If you haven’t worked long enough or recently enough to earn the required Social Security work credits, your application will be denied—even if you're medically qualified.

Tip: Younger applicants may qualify with fewer credits, so check the SSA’s work credit requirements based on your age.

6. Previous Denials Without New Evidence

Some applicants simply reapply after a denial without providing new or updated information. The SSA typically denies repeat applications unless new medical evidence is submitted.

Tip: Always appeal instead of reapplying—and back up your appeal with stronger documentation.

7. Missed Deadlines or Incomplete Applications

Missing deadlines or failing to submit required forms and documentation can derail your claim. The SSA strictly enforces timelines, and a missed response could mean automatic denial.

Tip: Stay organized, respond promptly, and keep copies of everything you submit.