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Non-medical reasons for a denial

Naturally, your Social Security Disability (SSD) claim can be denied for medical reasons, often indicating that you are not actually considered to be disabled. You do have the ability to appeal this decision if you believe the medical records actually show that you are disabled.

One important thing to note, though, is that non-medical denials are also issued. This could mean that you qualify as being disabled and still are not entitled to payments. As you may have guessed, you can also appeal this decision.

So, what are some of the reasons for a non-medical denial? One could simply be your income levels. If your yearly earnings are too high, even with your disability, you may not qualify for assistance. The substantial gainful activity (SAG) limit does change, but, if you are over the current limit, you won't qualify.

Another non-medical reason for a denial is having too many assets on hand. The goal is to provide for those who are in need, and, if your countable assets show that you're not in need, you could be denied. Countable assets include things like secondary vehicles -- not your daily driver -- vacation homes, cash on hand, insurance policies and the like.

The big thing to note is that primary assets don't typically count. For example, the home where you live and the car you drive don't get counted, but a cabin in the country and a sports car that you just use on the weekends would count.

If you have been denied, whether the reason was medical or non-medical, the most crucial thing to understand is that you do have the right to appeal. Be sure you know how to do so if you believe one is warranted.

Source: SSA, "Recent Decisions," accessed Aug. 15, 2017

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