Applying for Social Security Disability (SSD) benefits in Colorado can be a complex and frustrating process. Many initial claims are denied, and navigating the appeals process requires knowledge of the Social Security Administration (SSA) rules and procedures. Whether you're filing a first-time application or fighting a denial, working with an experienced Social Security Disability attorney can make a significant difference in the outcome of your claim.
At Heritage Law Office, we assist individuals in Colorado with their Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims. Our goal is to help you secure the benefits you need to support yourself and your family. Contact us by calling 414-253-8500 or filling out our online contact form for legal assistance.
Understanding Social Security Disability Benefits
The Social Security Administration (SSA) provides two main types of disability benefits:
- Social Security Disability Insurance (SSDI): Available to workers who have paid into the Social Security system through payroll taxes and have a qualifying disability.
- Supplemental Security Income (SSI): Designed for disabled individuals with limited income and resources, regardless of their work history.
Both programs require you to prove that you have a severe, long-term disability that prevents you from engaging in substantial gainful activity (SGA). The SSA evaluates disabilities based on their official Listing of Impairments, but even if your condition is not on the list, you may still qualify if you can prove your inability to work.
Key Differences Between SSDI and SSI
Feature | SSDI (Social Security Disability Insurance) | SSI (Supplemental Security Income) |
---|---|---|
Eligibility |
Must have worked and paid into Social Security |
Based on financial need (low income & assets) |
Work Requirement |
Requires sufficient work credits |
No work history required |
Medical Eligibility |
Must meet SSA's definition of disability |
Must meet SSA's definition of disability |
Income Limits |
No strict income limit but cannot engage in Substantial Gainful Activity (SGA) |
Strict income and resource limits apply |
Benefit Amount |
Based on prior earnings |
Fixed amount, varies by state |
Medicare/Medicaid |
Eligible for Medicare after 24 months |
Eligible for Medicaid immediately |
Dependent Benefits |
Available for certain family members |
No dependent benefits |
Common Reasons Social Security Disability Claims Are Denied
The SSA denies the majority of first-time applications, often due to:
- Insufficient medical evidence to support the disability claim
- Failure to follow prescribed treatment from doctors
- Earning too much income while applying for SSDI or SSI
- Failure to cooperate with SSA's requests for additional information
- Errors or missing information in the application
If your claim has been denied, don't lose hope-many applicants are approved on appeal with the right legal representation.
The Social Security Disability Application Process
Applying for SSD benefits involves multiple steps, and each stage requires strong medical and legal evidence to support your case.
1. Initial Application
Your claim begins by filing an initial application with the Social Security Administration. You will need to provide:
- Medical records from doctors, hospitals, and clinics
- Employment history to show your work credits (for SSDI)
- Income and financial records (for SSI applicants)
- Statements from medical professionals supporting your disability claim
2. Reconsideration (First Appeal Stage)
If your initial claim is denied, you can request reconsideration within 60 days. At this stage, a different SSA examiner will review your case. Many reconsiderations are also denied, making legal assistance crucial.
3. Administrative Law Judge (ALJ) Hearing
If your reconsideration is denied, the next step is requesting a hearing before an Administrative Law Judge (ALJ). This is often the best opportunity to win your case, as you can:
- Present new medical and vocational evidence
- Call expert witnesses, such as medical specialists
- Testify about how your disability affects your daily life
Having an experienced Colorado Social Security Disability attorney represent you at this stage significantly increases your chances of approval.
4. Appeals Council Review
If the Administrative Law Judge (ALJ) denies your claim, you can request a review by the Social Security Appeals Council. The Appeals Council does not hold a new hearing but will examine the ALJ's decision for errors. If they find that legal mistakes were made, they may:
- Approve your claim outright
- Send your case back to the ALJ for further review
- Deny your request for review, in which case you may take further legal action
At this stage, having strong legal representation is crucial, as appeals often require detailed legal arguments about procedural mistakes and SSA regulations.
5. Federal Court Appeal
If the Appeals Council denies your claim, the final option is filing a lawsuit in federal court. This step is complex and requires an attorney who understands Social Security law at an advanced level. While relatively few cases reach this stage, federal court appeals can result in a favorable ruling or a remand for further proceedings.
Steps in the Social Security Disability Appeals Process
Appeal Stage | What Happens? | Time Frame | Approval Rate |
---|---|---|---|
Initial Application |
File SSDI/SSI claim with medical records |
3-6 months |
~35% |
Reconsideration |
Request a second review of your claim |
3-5 months |
~13% |
ALJ Hearing |
Present case before an Administrative Law Judge (ALJ) |
9-18 months |
~50% |
Appeals Council Review |
Review of the ALJ's decision for errors |
6 months - 1 year |
Varies |
Federal Court Appeal |
File a lawsuit in U.S. District Court |
1-2 years |
Varies |
How a Colorado Social Security Disability Attorney Can Help
The Social Security Disability process can be overwhelming, but an experienced attorney can significantly increase your chances of approval by:
- Helping you complete your application correctly to avoid common errors
- Gathering and submitting strong medical evidence
- Representing you in appeals and hearings
- Cross-examining vocational and medical experts
- Making persuasive legal arguments based on SSA regulations**
Our law firm understands the unique challenges of the Social Security Disability system and will fight to help you obtain the benefits you deserve.
Medical Conditions That Qualify for Disability Benefits
The SSA has a Listing of Impairments that outlines medical conditions that may qualify for disability benefits, including:
- Musculoskeletal disorders (e.g., spinal injuries, arthritis, amputations)
- Neurological conditions (e.g., multiple sclerosis, epilepsy, Parkinson's disease)
- Cardiovascular diseases (e.g., heart disease, chronic heart failure)
- Mental health disorders (e.g., depression, PTSD, schizophrenia)
- Respiratory conditions (e.g., COPD, cystic fibrosis)
- Cancer and immune system disorders (e.g., lupus, HIV/AIDS, rheumatoid arthritis)
Even if your condition is not on the SSA's list, you may still qualify if you can prove that your disability prevents you from working.
How Long Does It Take to Get Disability Benefits?
The Social Security Disability process can take several months or even years, depending on how many appeals are necessary.
- Initial application decision: 3 to 6 months
- Reconsideration decision: 3 to 5 months
- ALJ hearing wait time: 9 to 18 months (varies by location)
- Appeals Council review: 6 months to 1 year
- Federal court appeal: 1 to 2 years
Due to these delays, it's critical to apply as soon as possible and work with an attorney to ensure your claim is processed efficiently.
Tips for Strengthening Your Social Security Disability Claim
To improve your chances of getting approved, consider the following:
- Seek consistent medical treatment and follow doctors' orders
- Document all symptoms and limitations affecting daily life
- Obtain detailed letters from doctors explaining your disability
- Avoid working above the substantial gainful activity (SGA) limit
- Meet all SSA deadlines to prevent claim dismissal
Contact a Social Security Disability Attorney in Colorado
If you need help applying for Social Security Disability benefits or appealing a denied claim, we are here to assist you. At Heritage Law Office, we understand the challenges you're facing and will fight to secure the benefits you deserve.
Contact us today at 414-253-8500 or fill out our online contact form to schedule a consultation.

Frequently Asked Questions (FAQs)
1. What is the difference between SSDI and SSI?
Social Security Disability Insurance (SSDI) is for individuals who have worked and paid Social Security taxes but can no longer work due to a disability. Supplemental Security Income (SSI) is need-based and available to disabled individuals with limited income and resources, regardless of work history.
2. How do I prove my disability to the Social Security Administration?
You must provide medical records, doctor's statements, and evidence of how your condition limits your ability to work. The SSA evaluates your claim based on medical evidence, functional limitations, and the impact on your ability to perform substantial gainful activity.
3. What should I do if my Social Security Disability claim is denied?
If your claim is denied, you should file an appeal as soon as possible-usually within 60 days. Most claims are initially denied, but many are approved on appeal, especially with legal representation at the Administrative Law Judge (ALJ) hearing.
4. How long does the Social Security Disability application process take?
The time frame varies, but an initial decision typically takes 3 to 6 months. If appeals are necessary, the process can take a year or longer. Working with an attorney can help avoid delays and strengthen your case.
5. Can I work while receiving Social Security Disability benefits?
You may be able to work within certain income limits. The SSA allows "trial work periods" where you can test your ability to work without losing benefits. However, earning above the Substantial Gainful Activity (SGA) limit may result in a denial or termination of benefits.