How to Appeal a Denied SSI or SSDI Claim

Receiving a denial letter for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) can be frustrating and discouraging. However, most claims are denied initially, and many applicants successfully appeal and win benefits. If you’ve been denied, don’t give up—this guide will walk you through why claims are denied, the appeal process, and tips for winning your case.

1. Common Reasons for SSI & SSDI Denials

SSA denies claims for several reasons, including:

• Medical Denial: SSA determines that your disability is not severe enough or won’t last at least 12 months.

• Insufficient Medical Evidence: Lack of records proving how your condition limits your ability to work.

• Failure to Follow Treatment: If you don’t follow prescribed treatments, SSA may deny benefits.

• Earnings Above the Limit: If you earn more than $1,620 per month (SGA limit in 2025), you may not qualify for SSDI.

• Not Enough Work Credits (SSDI Only): If you haven’t worked long enough to qualify for SSDI.

• Too Many Assets (SSI Only): SSI has strict asset limits ($2,000 for individuals, $3,000 for couples).

2. Understanding the Social Security Appeals Process

If your claim is denied, you have 60 days to file an appeal. The SSI & SSDI appeals process has four stages:

Step 1: Request for Reconsideration

• The first appeal level where SSA reviews your case again.

• You can submit new medical evidence.

• Decision time: 3 to 6 months.

Step 2: Hearing Before an Administrative Law Judge (ALJ)

• If reconsideration is denied, request a hearing with a judge.

• This is the best chance to present new evidence and testify about your disability.

• A vocational expert may be called to discuss whether you can work.

• Decision time: 12 to 18 months.

Step 3: Appeals Council Review

• If the ALJ denies your case, you can appeal to the Social Security Appeals Council.

• The council reviews errors in legal procedures.

• Decision time: 6 to 12 months.

Step 4: Federal Court Appeal

• If denied by the Appeals Council, you can sue SSA in federal court.

• A lawyer is usually required at this stage.

3. How to Strengthen Your Appeal

To improve your chances of winning your appeal:

• Gather Strong Medical Evidence: Include doctor statements, test results, and treatment records.

• Get a Doctor’s Support: A detailed letter from your doctor explaining your limitations can be powerful.

• Keep a Symptom Journal: Document how your condition impacts daily activities.

• Hire a Disability Attorney: Applicants with lawyers have a higher success rate.

• Be Honest at Your Hearing: Clearly explain your limitations and how they affect your ability to work.

4. How Long Does the Appeals Process Take?

The full appeal process can take anywhere from several months to over two years, depending on how far your case progresses.

5. Can You Keep Benefits During an Appeal?

If your SSDI or SSI benefits were stopped, you can request to continue receiving benefits while appealing—but you must request this within 10 days of your denial.

6. Need Help With Your Appeal? Purple Can Help

Managing an appeal can be stressful, but Purple helps you track deadlines, organize medical records, and stay informed on benefit updates.

Get started with Purple today and fight for the benefits you deserve!