Plenty of people who
could be eligible to receive Social Security disability benefits never file an
application. Perhaps they don’t realize that it’s even an option in their situation, or they’re so
concerned about the stigma associated with Social Security Disability Insurance (SSDI) that they never start the process.
Misconceptions loom
large over Social Security disability, but dispelling some of the most common
myths is in all our best interests. Whether you or someone you know is
considering filing an application for SSDI, you should know what is and isn’t
true about the program.
Here are four of the
most common misconceptions about SSDI, along with explanations about the
realities of this public insurance program...
Misconception #1 - A Denial is the End of the Road
Around one-fourth of SSDI
applicants are approved the first time around. The Social Security Administration (SSA) offers several
opportunities to appeal a denied application. However, it’s very important that
you take time to review your initial application to find out why it was denied.
Most people don’t know exactly what SSA is looking for or how to determine
potential problems in their applications, which is why working with an
experienced SSDI attorney is helpful during the appeals process.
The idea that a denial
is the end of the road is a misconception, but saying that everyone’s first
application is denied is equally untrue. Ideally, you want your first
application to be as well-prepared as possible. However, it’s comforting to
know that there are more options available if SSA doesn’t approve your benefits
the first time around.
Misconception #2 - Certain Conditions Make You Automatically Eligible for SSDI
SSA does list conditions
that make a person eligible for benefits, but you should not assume that just
because you have one of those conditions, you can fill out a form and be automatically
approved for benefits. You will still need to provide plenty of basic
information to SSA. You will also need to provide evidence that proves the
existence of your medical condition.
It is possible to be
denied even if you have a condition listed by the SSA. Filing an application
can be complicated. Simple mistakes could lead to a denial and result an
unnecessary delay in the benefits you’re entitled to. In other words, you
should also be as thorough as possible when applying and never assume it's a sure thing.
Misconception #3 - You Can’t Work While Receiving Benefits
The SSA does not have a
policy that restricts recipients from working. SSA does state that a recipient
cannot earn “substantial gainful income.” Every year, SSA adjusts the limit that a person can earn
and still receive SSDI. In 2019, one can earn $1,220 or less per month and
still be eligible. If someone is blind, then the limit is $2,040 per month.
Misconception #4 - SSDI is a Handout
SSDI is an insurance
program designed to ensure that people don’t become destitute if they become unable
to work. Over the decades, opponents of programs like SSDI started calling them
entitlements, and some Americans’ perspectives of SSDI are clouded by the
misconception that SSDI is a handout. SSDI is best thought of as a public alternative
to private insurance. Most workers are currently paying into SSDI, so in the
event that they become unable to do their jobs, they still have a certain level of
financial security.
Clearing Up Misconceptions About SSDI
If you don’t understand
something about SSDI, and it’s preventing you from applying,
consider first looking over the SSA website.
They provide a lot of information about eligibility and filing an application.
If you have specific questions you’d like answered or you want a professional
to walk you through the process, know that an experienced SSDI attorney is only
a call away.
If You Need Help Filing a Claim, Contact the Driscoll Salazar Disability Group
Stephanie Driscoll is a Social Security disability advocate with years of experience helping people get
the benefits they need. Our staff understands the challenges facing people who
need SSDI, and our goal is to make sure their application has the best possible
chance of approval.
Misconceptions affect
people who need benefits by deterring them from moving forward with an
application. We want to help you better understand your legal options, which is
why we offer free consultations. Take advantage of a free SSDI case evaluation
by calling the Driscoll Salazar Disability Group at 888-984-3734.
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