Colorado disability applicants know that getting approved for benefits can be an uphill battle – in fact, the initial approval rate for SSDI claims in Colorado is only around 13–15% (slightly lower than the national average). Understanding why claims get denied can improve your chances of success. In this article, we outline five of the most common reasons Social Security disability claims are denied, with a focus on issues we often see among Denver-area applicants. More importantly, we’ll give tips on how to avoid or address these pitfalls so you can turn a denial into an approval on appeal.
1. Insufficient Medical Evidence
The number one reason for SSDI denial is lack of strong medical documentation. To be found disabled, you must prove that your condition is severe enough to prevent full-time work. Many applicants simply submit a diagnosis or a few doctor’s visits in their record, which isn’t enough.
How to avoid this: Make sure you have consistent treatment records that clearly outline your limitations. Specialists’ opinions, test results (MRI, x-rays, etc.), and doctor’s statements about your work restrictions are crucial. We often help clients gather missing evidence or recommend further evaluations. Your file must tell a compelling story of disability, not just a diagnosis.
2. Earning More Than Allowed (Substantial Gainful Activity)
Some claims are denied before medical evidence is even reviewed, because the applicant’s current work income is too high. In 2025, earning above $1,620/month generally means you’re engaging in “substantial gainful activity” and not eligible.
How to avoid: If possible, stop working or reduce earnings below the SGA level when you apply. If you must work, keep it minimal, under the income cap, and document any accommodations. Demonstrating that you cannot perform substantial work is essential.
3. Condition Not Severe or Long-Lasting Enough
SSA denies claims if they decide your impairment, while real, is not severe enough or not expected to last 12 months. Similarly, if your condition isn’t in the SSA’s Listings and they think you could still do some type of work, you’ll be denied.
How to avoid: Ensure your doctors document the ongoing nature of your condition. Use terms like “chronic” or “worsening.” If not listed, show equivalence in severity. Follow prescribed treatments; non-compliance is another reason SSA denies claims.
4. Lack of Recent Work Credits (Technical Denials)
SSDI is an insurance program – you must have paid enough into Social Security. Many are denied because they haven’t worked enough in recent years to be “insured.” Typically, you need 20 work credits in the last 10 years.
How to avoid/fix: Double-check your Social Security Earnings Record for accuracy. If you truly lack the required work history, SSDI won’t apply, but SSI (a needs-based program) might. Appeals can sometimes uncover errors in SSA’s records.
5. Filing a New Application Instead of Appealing (or Missing Deadlines)
A strategic mistake is not appealing a denial. Filing a brand-new application often leads to the same result, and you lose valuable backpay.
What to do instead: Always appeal within 60 days rather than restarting. By appealing, you keep your original filing date and can address prior shortcomings. Many claims are denied early but approved later, especially at hearings.
Conclusion
Getting denied for disability benefits can be disheartening, but it’s often just a step in the process. By understanding these common denial reasons – and proactively avoiding them – you improve your odds of approval. Remember, most people are denied initially, especially in Colorado, but persistence pays off. Viner Disability Law is here to help identify why a claim was denied and develop a winning strategy on appeal. Knowledge is power in the SSDI process – and now you know the biggest pitfalls to avoid.
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Related guide: Read the comprehensive guide →