When veterans apply for Social Security Disability Insurance (SSDI), many are surprised to find that their application is denied, even though they are recognized as disabled by the Department of Veterans Affairs (VA). This can be frustrating and confusing, especially for those who have served their country and now face serious health challenges. Understanding why this happens requires a closer look at the differences between VA disability benefits and SSDI.
Understanding the Differences Between VA Disability and SSDI
The VA and the Social Security Administration (SSA) have different criteria and processes for determining disability. The VA’s disability ratings are based on a percentage system, where a veteran’s disabilities are rated from 0% to 100%, reflecting the degree of impairment. Veterans can receive benefits for partial disabilities, even if they can still work.
On the other hand, SSDI has a more stringent definition of disability. To qualify for SSDI, the SSA requires that an individual be unable to engage in any substantial gainful activity (SGA) due to a medically determinable physical or mental impairment. This impairment must have lasted or be expected to last for at least 12 months or result in death. The SSA does not consider partial disability; it’s an all-or-nothing determination.
Common Reasons for SSDI Denial
- Different Medical Evidence Requirements: The SSA and the VA may require different types of medical evidence. While the VA might accept a broader range of medical documentation, the SSA typically requires more detailed records that specifically demonstrate the inability to work. If a veteran’s medical records do not clearly show this level of disability, the SSDI application may be denied.
- Substantial Gainful Activity (SGA): Veterans who are still able to work, even at a limited capacity, may not qualify for SSDI. The SSA considers whether an individual can perform any work, not just the job they held in the military. If a veteran’s condition allows them to engage in any form of SGA, their SSDI claim may be denied, even if they receive VA benefits.
- Work Credits: SSDI is based on a person’s work history. Veterans must have earned enough work credits through paying Social Security taxes to qualify. Those who have not worked enough or recently enough may be denied SSDI, regardless of their disability status with the VA.
- Different Disability Standards: The VA allows veterans to receive benefits for service-connected disabilities, even if those disabilities are not completely disabling. SSDI, however, requires a total inability to work, making it harder for veterans to qualify.
What Can Veterans Do?
Veterans who are denied SSDI should not lose hope. They can appeal the decision, often with the assistance of a skilled disability advocate or attorney who understands both VA and SSA requirements. Gathering additional medical evidence, documenting the impact of disability on daily life, and clearly demonstrating the inability to work can improve the chances of approval on appeal.
At Sage Disability, we understand the unique challenges that veterans face when applying for SSDI. Our team is here to help you navigate the complex application process and fight for the benefits you deserve. For tailored Social Security Disability representation and guidance, consider reaching out to Sage Disability at 800-316-2794.