You’re struggling to make ends meet because of a disability that prevents you from working. You’ve heard about Supplemental Security Income (SSI) and how it could provide the financial support you desperately need. But as you begin the application process, you find yourself overwhelmed by the paperwork, the requirements, and the uncertainty of whether you’ll qualify. You’re not alone. Many South Carolinians face these same challenges, but with the right guidance, you can avoid common mistakes and strengthen your claim.

At McChesney & Ours, P.C., we’re here to help. Let’s look at the pitfalls many applicants face and how to overcome them.

Misunderstanding Eligibility Requirements

Many people mistakenly assume they qualify for SSI based on age or disability alone. However, the Social Security Administration (SSA) has strict financial and medical criteria that must be met:

  • Financial Requirements: Your income and resources must fall below a certain threshold.
  • Medical Requirements: You must have a condition that meets the SSA’s definition of a disability, preventing you from engaging in substantial gainful activity.

Example: If you have a part-time job that exceeds the income limits, your application may be denied, even if you have a qualifying disability.

Our experienced attorneys can evaluate your situation, explain the requirements, and guide you through the process to avoid unnecessary confusion.

Submitting an Incomplete or Inaccurate Application

Even minor mistakes on your application can result in delays or denials. Missing documents, incorrect information, or incomplete responses can cause setbacks. Although we ask you to file the initial application yourself, we will guide you through the process as needed. We’ll work with you to make sure your application is accurate, complete, and includes all the necessary details. Our goal is to present your case in the best possible light from the start.

Failing to Provide Proper Medical Documentation

Your medical records are the foundation of your SSI claim. Without detailed and up-to-date documentation, proving your disability to the SSA becomes much harder. Here’s what you’ll need:

  • Medical records showing your diagnosis and treatment history.
  • Doctor’s notes outlining how your condition limits your ability to work.
  • Test results and hospital records.

Example: If your physician hasn’t provided a clear statement about your work limitations, we can help you gather the evidence needed to strengthen your case.

Missing Critical Deadlines

The SSA enforces strict deadlines for submitting applications, appeals, and attending hearings. Missing these can jeopardize your claim. Here’s why timing matters:

  • Initial applications must meet specific filing deadlines.
  • If denied, you only have 60 days to appeal the decision.
  • Our team will track these deadlines for you, ensuring no critical dates are missed.

Ignoring the Appeals Process

Did you know that over two-thirds of initial SSI applications are denied? Giving up after one denial is a mistake. The appeals process offers multiple opportunities to present your case. There are several levels of appeal available:

  • Reconsideration: A fresh review of your application.
  • Hearing Before an Administrative Law Judge (ALJ): Present your case in person.
  • Appeals Council Review: Request a review of the ALJ’s decision.
  • Federal Court Review: If all else fails, take your case to court.

Secure Your Financial Future with McChesney & Ours, P.C.

At McChesney & Ours, P.C., we’ve helped countless South Carolinians through the SSI process to get the benefits they deserve. Contact us today to schedule a consultation. Together, we can help you build a stronger, more secure future.