Q: Why are applications for social security disability benefits so frequently denied?

A: The main reason most applications are denied is due to insufficient medical data. Some people assume certain injuries speak for themselves, but thorough medical proof is needed for all claims. In some cases, the treating physician did not provide enough information to show how the condition negatively impacts the work capacity of the claimant. In order to receive approval, an application for social security disability benefits must provide evidence that the injury of a claimant prevents him from working in previous fields of employment, as well as other qualified work possibilities. Regardless of your condition, the disability manager examining your file will not understand the full picture if you have not provided complete medical records or information from your treating physician. Make sure you seek treatment for your condition and that your disability examiner has the most current and thorough information about your case. Strong medical proof will give your claim the best chance of approval.

Q: If you are in debt, are the social security disability payments you receive in jeopardy of being taken away by a collection bureau?

A: If you currently receive supplemental security income payments, no creditor can touch those payments. Those who collect SSDI payments, however, are not immune from all collections agencies. If you are in financial trouble with businesses, credit card companies, mortgage companies, etc, they cannot touch your payments. Government entities can collect your benefits checks, however. If you owe the government for back taxes, for example, your debt can be collected from your social security disability checks. The only other agencies who can collect your benefits checks are those handling your delinquent child support or alimony payments.

Q: If you are a landlord, will that negatively impact your ability to collect social security disability benefits?

A: Only your ability to earn a working wage affects determination of social security disability benefits. Rental income and other investments will not be a factor in this determination. If, however, you are applying for supplemental security income benefits, rental payments and other investments are a factor. Only those with limited financial resources are eligible for Supplement Security Income benefits.