Common Mistakes to Avoid When Filing for SSD Benefits: 7 Costly Errors

Introduction

Common mistakes to avoid when filing to secure your SSD benefits can cost you your claim, delay your approval, or even result in a complete denial. Applying for Social Security Disability Insurance (SSDI) is a complex and bureaucratic process. One error, misunderstanding, or omission can derail your efforts to secure vital income and medical coverage. At Harbison & Kavanagh, we’ve seen firsthand how seemingly minor mistakes can have devastating consequences. That’s why we’ve put together this in-depth guide—optimized for Virginians—so you can avoid the 7 most frequent and damaging errors when filing your SSD claim.

Table of Contents

• 1. Failing to Seek Consistent Medical Treatment
• 2. Waiting Too Long to Apply
• 3. Providing Incomplete Medical Information
• 4. Ignoring Non-Medical Factors That Impact SSD Approval
• 5. Working Above Substantial Gainful Activity (SGA)
• 6. Misunderstanding the SSA’s Definition of Disability
• 7. Failing to Hire a Qualified SSD Attorney
• Frequently Asked Questions
• One Mistake You Can’t Afford to Make
• Get Experienced Help Before It’s Too Late

1. Failing to Seek Consistent Medical Treatment

This is one of the most common mistakes to avoid when filing for SSD benefits. Without regular medical care, the Social Security Administration (SSA) may believe your condition is not severe or long-lasting enough to meet their disability standards. Gaps in care, missed appointments, and lack of follow-up can all undermine your case. SSA wants proof that your impairment is ongoing and medically documented. If cost is a barrier, you must document attempts to access care or explain why care is unavailable. Learn more on this topic directly from the SSA’s Blue Book.

2. Waiting Too Long to Apply

The Social Security Administration (SSA) imposes strict rules on how far back they will pay benefits. If you delay applying, you may lose months—or even years—of backpay. More importantly, waiting can also mean your Date Last Insured (DLI) expires, which could disqualify you entirely. Many Virginians don’t realize that SSDI is based on work credits, and missing your DLI window due to procrastination is a catastrophic but avoidable error.

The SSA calculates your DLI based on your work history and the number of work credits you’ve earned. Typically, you must have worked and paid Social Security taxes for at least 5 out of the last 10 years before becoming disabled. If you stop working, your insured status doesn’t last indefinitely; it usually expires about five years after your last employment.

3. Providing Incomplete Medical Information

Submitting an incomplete list of treating providers in the SSD application process is a critical error, as the SSA requires comprehensive medical records to evaluate your impairment’s severity and duration. Omitting any healthcare provider—such as specialists, hospitals, or clinics—can lead to an incomplete medical profile and potential denial of benefits. It is essential to document all medical sources, including names, addresses, treatment dates, and nature of care, to ensure the SSA has all relevant information for an informed decision. The responsibility for providing complete medical information lies with the claimant, and failing to do so jeopardizes the application and delays benefits.

4. Ignoring Non-Medical Factors That Impact SSD Approval

Many claimants focus solely on their diagnosis, but SSA also considers your age, education, past work, and ability to adapt to new work. Not highlighting how your impairments specifically prevent you from doing past work—or adjusting to new work—is a fatal mistake. This is especially critical for claimants under age 50, where medical-vocational rules become much more stringent.

5. Working Above Substantial Gainful Activity (SGA)

You may believe you’re still disabled even though you’re working part-time, but if your earnings exceed SGA limits ($1,550/month for non-blind claimants in 2024), your application may be denied automatically. Working while applying is risky and must be carefully analyzed. In Virginia, we see many cases where a claimant thought they could “test the waters” by working, only to undermine their SSD claim in the process.

6. Misunderstanding the SSA’s Definition of Disability

SSA defines disability as the inability to engage in any substantial gainful activity due to a medically determinable impairment expected to last at least 12 months or result in death. Simply having a diagnosis—or even being told you’re disabled by a doctor—isn’t enough. You must prove functional limitations. Focusing only on your medical label without evidence of what you can and can’t do on a daily basis (such as sitting, standing, walking, concentrating) is a major misstep.

7. Failing to Hire a Qualified SSD Attorney

Filing for disability without legal help is like going to court without a lawyer. It’s not illegal, but it’s a risky gamble. A qualified SSD attorney knows how to gather and submit strong evidence, identify weaknesses in your case, meet deadlines, and handle complex appeals. They’ll represent you at hearings and help present your case clearly and persuasively. And in Virginia, representation by a local attorney familiar with regional ALJs (Administrative Law Judges) often makes a substantial difference.

Frequently Asked Questions

Can I fix a mistake on my SSD application after I file?

Yes. You can amend an application before a decision is made or during the appeals process. However, corrections should be handled carefully to avoid contradictions in your record.

What if I didn’t list all my doctors?

Contact the SSA or your attorney immediately and provide updated provider information. The SSA can request additional records, but delays may occur.

Does working part-time affect my SSD application?

It depends on your earnings. If you earn above the monthly SGA limit, your claim could be denied. Always consult an attorney before working while applying.

What if I missed my Date Last Insured?

If your DLI has passed, you may still qualify for Supplemental Security Income (SSI) if you meet income and asset limits. A lawyer can help determine eligibility.

Is it okay to apply for SSDI without a lawyer?

You can apply without one, but approval rates are higher with representation, especially at the reconsideration and hearing stages.

One Mistake You Can’t Afford to Make

If this guide was helpful, be sure to read our in-depth article Key Evidence to Strengthen Your SSD Appeal: 7 Powerful Tactics for a Winning Claim. It explains how to build the type of medical and vocational evidence that SSA decision-makers rely on—and how to avoid being denied for insufficient documentation. If you’re already in the appeal process, this post is essential reading.

Get Experienced Help Before It’s Too Late

At Harbison & Kavanagh, we are dedicated to helping you navigate the SSDI application and appeals process. If you believe you qualify for SSDI and have questions, call us today at (804) 888-8000, or visit our contact page to schedule a free consultation. Our experienced lawyers are here to provide the support and guidance you need.