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Disability Appeals: The Four Levels

Most first claims are denied, and a denial is not the end. But the appeal clock is short, and missing it can cost you the whole claim.

Denied Long-Term Disability (LTD) through an employer plan or individual policy, not SSDI or SSI? That is a different process. Start with SecureClaim LTD →

The 60 day deadline. After each denial you generally have 60 days to appeal, plus 5 days the SSA allows for mailing. Miss it without good cause and you may have to start over, losing months and possibly back pay. Treat the date on your notice as the most important date in your claim.

There are four levels of appeal. Most cases that are eventually approved are approved at the hearing level, so persistence matters.

1. Reconsideration

A fresh reviewer at Disability Determination Services looks at your claim again, including any new evidence. It is a paper review, and many claims are denied again here, which is normal. Add new records and keep going.

2. Administrative Law Judge Hearing

This is the most important stage. You appear before an Administrative Law Judge, in person or by video or phone, and can testify, submit new evidence, and bring witnesses such as a vocational expert. Preparation and clear testimony about your limits make a real difference here.

3. Appeals Council

If the judge denies you, the Appeals Council can review whether the decision followed the rules. It may deny review, decide the case itself, or send it back to a judge for another hearing.

4. Federal Court

The final step is a lawsuit in federal district court, which reviews whether the SSA applied the law correctly. By this point most people are working with a representative.

Why Claims Get Denied

  • Earnings above the SGA limit
  • Insufficient or inconsistent medical evidence
  • Gaps in treatment
  • Missing a deadline or a requested form
  • Not following prescribed treatment without a good reason

You do not have to do this alone. At the hearing level especially, representation can help. With SecureClaim Pro you pay nothing unless you win.

Important. Educational guidance only. Whether you qualify is decided by the Social Security Administration, not by SecureClaim. We help you understand and prepare.

Got A Denial? Do Not Wait.

Start free with Lite to track your deadline, or let us represent you and pay only if you win.

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