Why Social Security Disability claim denials are so common

Applying for Social Security Disability (SSD) benefits is often a lifeline for individuals who can no longer work due to illness or injury. Unfortunately, the process is notoriously complex—and many first-time applicants are stunned when their claim is denied. In fact, nearly 70% of initial SSD applications are rejected nationwide. So why are Social Security Disability claim denials so common?

At Hoskins, Turco, Lloyd & Lloyd, our Social Security Disability attorneys have helped thousands of clients navigate this difficult process, and we’ve seen the same issues come up time and again. We specialize in appealing denied Social Security Disability claims. Understanding the most common reasons for denial can help you avoid pitfalls and strengthen your claim.

Common reasons for Social Security Disability claim denials

Social Security Disability Insurance (SSDI) is a program designed for individuals who have worked and paid into Social Security through payroll taxes but are now unable to work due to a disabling medical condition. To qualify, applicants must have a sufficient work history, meet the Social Security Administration’s (SSA’s) strict definition of disability, and have worked recently enough before becoming disabled. Because these criteria are so specific and rigid, SSD claims are frequently denied—especially at the initial application stage.

Here are some of the most common causes for a denied SSD claim; however, each case is unique. If you receive a denial, the best thing you can do is contact the experienced disability attorneys at Hoskins, Turco, Lloyd & Lloyd.

1. Insufficient medical evidence

One of the top reasons SSD claims are denied is a lack of comprehensive medical documentation. The SSA requires extensive proof that your condition severely limits your ability to work. This includes:

• Ongoing treatment records

• Physician notes

• Diagnostic test results

• Statements from specialists

If your file is missing this evidence—or if your doctors haven’t clearly tied your condition to your inability to work—your claim may not pass initial review.

2. Failure to follow treatment plans

If you’ve been prescribed medication or physical therapy but haven’t followed through, the SSA may interpret this as a sign that your condition isn’t as disabling as claimed. Even if you had a valid reason (like side effects or financial hardship), failing to comply with treatment recommendations can result in a denial.

3. Technical mistakes or incomplete applications

The SSD application is long, detailed, and filled with opportunities for error. Something as simple as an incomplete work history or a missing signature can lead to a technical denial—without your medical situation ever being reviewed.

This is one area where legal guidance can make a huge difference. At Hoskins, Turco, Lloyd & Lloyd, our experienced team ensures your application is complete, accurate, and submitted on time.

4. Earnings that exceed the limit

To qualify for SSD, you must be unable to engage in “substantial gainful activity” (SGA). In 2025, the SGA monthly is $1,620 for individuals who are not considered blind under Social Security’s rules. For those who are considered blind, the SGA limit is $2,700 per month. If you’re earning more than that, the SSA will consider you capable of working, regardless of your condition. Learn more here.

5. Your condition isn’t expected to last 12 months

SSD benefits are reserved for long-term or permanent disabilities. If the SSA believes your condition is temporary or expected to improve quickly, they may deny your claim—even if you’re currently unable to work.

6. Prior denials without new evidence

Resubmitting the same application after a denial without any new medical evidence or updates is a common mistake. If your situation hasn’t changed or you haven’t strengthened your case, the SSA will likely deny your claim again.

What to do if your SSD claim is denied

Receiving a denial letter from the Social Security Administration can be devastating—especially when you’re already struggling with a medical condition and financial uncertainty. But don’t give up. Most SSD claims are initially denied, and many of those denials are overturned during the appeals process.

At Hoskins, Turco, Lloyd & Lloyd, appealing denied SSD claims is one of our core specialties. With decades of experience and a strong track record of successful outcomes across Florida’s Treasure Coast, we know how to fight for the benefits you deserve.

How Hoskins, Turco, Lloyd & Lloyd can help

When you work with us to appeal your SSD denial, you get an entire legal team dedicated to your case. We:

• Review your denial letter and case file in detail to identify why your claim was rejected
• Gather missing or stronger medical evidence, including records, expert opinions, and written statements from your doctors
• Prepare and submit all appeal paperwork within strict SSA deadlines
• Represent you at hearings before an Administrative Law Judge, where we present a clear, well-supported argument for your eligibility
• Handle all communication with the SSA so you can focus on your health, not bureaucracy

We’ve helped thousands of clients across Port St. Lucie, Vero Beach, Fort Pierce, and Okeechobee successfully appeal their Social Security Disability claim denials—and we’re ready to do the same for you.

Denied SSD benefits? Don’t navigate the appeals process alone.

We can help. Call 866-930-6435 for a free consultation.

The SSD appeals process is complex and time-sensitive, but you don’t have to go through it alone. At Hoskins, Turco, Lloyd & Lloyd, we combine compassionate client service with aggressive legal advocacy to give you the best possible chance at approval.

If your claim was denied or you need help navigating the SSD process, contact Hoskins, Turco, Lloyd & Lloyd today for a free consultation. Let us help you get the benefits you deserve!

Call 866-930-6435 to schedule your free consultation to start your appeals process.