Although no one plans for a disabling injury to affect their ability to support themselves, disabilities that leave a person unable to work are more common than you might think. To ensure that you have access to the funding needed to support yourself while disabled, you will need to apply for Social Security Disability benefits. The application process can be an arduous one, and a denial of your application could leave you feeling helpless.

Here are three potential reasons why your claim may be denied and some legal actions you can take to appeal the denial process to access the financial benefits you are entitled to.

1. Denial Based on Income

In order to be eligible to receive Social Security Disability benefits from the government, you must be unable to support yourself financially. It means that you must not have access to a steady stream of income while you are disabled.

Although most people view a steady stream of income as wages from employment, the government could factor other types of income into their decision to deny your disability claim. If you receive regular payments from annuities, a trust fund, or a family member, then your claim could be denied.

To prove that these payments do not qualify as a steady stream of income, you should work closely with an attorney specializing in Social Security Disability cases to appeal the denial by providing evidence these payments are not sufficient to support you while you are disabled.

2. Denial Based on Insufficient Contributions

Each time you receive a paycheck, a portion of your wages is deposited into a national Social Security Fund. This fund provides the monetary assistance needed to pay for Social Security Disability and Social Security Income payments.

To be eligible to receive financial benefits from this fund, the government requires that you contribute to the fund for a specified period. If you have been self-employed or working as an independent contractor, it can be easy for your Social Security Disability claim to be denied on the basis of an improper work history.

You can team up with an experienced Social Security Disability attorney to provide evidence (through tax returns and other financial statements) of your Social Security contributions throughout the years in order to successfully appeal a denied Social Security Disability claim.

3. Denial Based on Work History

Your previous work history can play a critical role in determining whether or not your application for Social Security Disability benefits is accepted or denied. Many applications are denied outright in a process known as technical denial.

A technical denial occurs when the individual reviewing your paperwork deems that you have not worked in the recent past, that you have not worked enough to earn sufficient credits to be eligible for benefits, or that your wages exceed the maximum limitations set by the government.

Receiving a technical denial can be challenging. An experienced Social Security Disability attorney will be able to help you determine why you received a technical denial and work with you to put together an appeal that will help you prove that you are eligible to receive the financial benefits needed to support yourself through a period of disability.

Navigating the application process for Social Security Disability benefits can be challenging, and many applicants become disheartened when their claim is denied. To ensure that you are able to get the financial help you need while protecting your right to access disability benefits, partner with one of the skilled advocates at the Law Offices of Betsy H. Alberts.