Debunking Common Myths About Social Security Disability Benefits

If you are disabled and considering applying for Social Security Disability Insurance (SSDI) benefits, you must be able to separate fact from fiction. There is a lot of misinformation out there. Falling for myths can hurt your chances of recovering the benefits you need. Myths about eligibility, the application process, and benefit limitations can discourage you from applying or result in you making costly mistakes. Below are some common myths about Social Security Disability Insurance, along with the truth behind each one:

Myth #1: Only Permanent Disabilities Qualify for SSDI

Truth: You do not need to have a permanent disability to qualify for SSDI benefits. If you are disabled due to a condition that lasts at least a year, you may be eligible for SSDI benefits. A skilled attorney can help you determine if you qualify for benefits. If you are, they can help you file your application.

Myth #2: Every Initial SSDI Application Is Rejected

Truth: While many initial SSDI applications (approximately 70%) are rejected, it does not automatically mean your application will also be denied. Often, applications are denied because of mistakes or missing medical documentation. Submitting a thoroughly prepared application with strong medical records can significantly improve your chances of approval. Working with a skilled Social Security disability lawyer can increase your chances of getting it right the first time.

Myth #3: You Cannot Receive SSDI if You Are Receiving Workers’ Compensation

Truth: If you are receiving workers’ compensation benefits because of a work-related injury or illness, you can still recover SSDI benefits. However, receiving workers’ compensation benefits can reduce the amount of SSDI benefits you are awarded. But generally, even when this happens, you’ll still recover more combined benefits by virtue of receiving both awards.

Myth #4: You Cannot Work While Receiving SSDI Benefits

Truth: Social Security Disability recipients can test their ability to work through special “work incentives” without immediately losing their benefits. For example, the “trial work period” can allow you to work up to nine months while still receiving full SSDI payments. However, if your earnings exceed a specific threshold or the work continues beyond the allowed period, you may no longer qualify for continued disability benefits.

Myth #5: You Must Be Retired or Almost Retiring To Receive Benefits

Truth: Social Security Disability is not a retirement program. Instead, it is for individuals who cannot work due to a disability, regardless of age. If you are over 18 and have a qualifying disability, you are eligible to file for SSDI benefits.

Myth #6: You Can Only Receive SSDI for Physical Disabilities

Truth: SSDI is available not just for physical conditions, but also for mental disorders. Conditions such as bipolar disorder, depression, and anxiety disorder can qualify if they significantly affect your ability to work and are medically documented.

Myth #7: Reapplication Is Better Than Filing an Appeal

Truth: Some people believe starting over with a fresh application is better if their initial one is denied. However, rejections often happen because something in the original application requires fixing. You may get another rejection if you reapply without addressing the issue that caused the initial rejection. It may be smarter to appeal with corrected information and additional evidence.

Legal Help Is Available

Contact our skilled London and Southeast Kentucky social security disability attorneys at Cessna & George Law Firm for help understanding and navigating the SSDI application process.

Source:

ssa.gov/oact/cola/twp.html