Common Myths About Social Security Disability Insurance

Social Security Disability Insurance (SSDI) is a crucial safety net designed to provide financial support to individuals who cannot work due to a disability. Despite its importance, several misconceptions about SSDI can cause confusion and prevent eligible individuals from getting the benefits he or she deserves. If you are thinking about applying for SSDI, it is essential to separate fact from fiction. Below are some of the common myths and misunderstandings about Social Security Disability Insurance.

Myth #1: Applying for SSDI is a Guaranteed Approval

One of the most common myths about SSDI is that everyone who applies will be automatically approved. In reality, the application process involves a detailed evaluation of an individual’s disability and how it impacts his or her ability to work. The Social Security Administration (SSA) has strict rules that must be met to qualify for benefits.

To be eligible for SSDI, applicants must have a severe disability that prevents him or her from engaging in substantial gainful activity (SGA). The disability must be expected to last at least 12 months or have the potential to be fatal. The SSA also requires medical evidence, work history, and other supporting documentation to determine eligibility.

Myth #2: Only Permanent Disabilities Qualify for SSDI

It is a common misconception that SSDI benefits are only available to individuals with permanent disabilities. In truth, the SSA considers both permanent and long-term disabilities. A long-term disability is expected to last for at least 12 months but could still get better over time. If the disability is severe and meets the SSA’s criteria, an individual may qualify for SSDI benefits, even if the disability is not permanent.

Myth #3: Only Physical Disabilities Are Covered

SSDI benefits can be granted for physical and mental health conditions preventing an individual from engaging in substantial gainful activity. Mental health conditions such as anxiety disorders, depression, and bipolar disorder are also considered for SSDI eligibility if they meet the necessary criteria.

Myth #4: You Cannot Apply for SSDI if You Have Assets or Savings

Some people believe that having assets or savings disqualifies them from receiving SSDI benefits. However, the SSA’s eligibility criteria mainly focus on an applicant’s work history and disability, not their financial resources. While other needs-based disability programs exist, such as Supplemental Security Income (SSI), SSDI is not means-tested and does not consider someone’s assets or savings.

Myth #5: You Can File Your Denied Application Again

If you application was denied, it is because there was something in the paperwork the SSA believed did not meet their standards of acceptance. Instead of filing the same information again, a disability denial lawyer can work with you on appealing the decision.

Avoid the Myths of SSDI When You Work With Jan Dils, Attorneys at Law

Understanding the facts about Social Security Disability Insurance is crucial for anyone applying for benefits. It is essential to recognize that eligibility is determined by the SSA’s strict criteria, and an evaluation of an applicant’s disability and work history.

If you believe you qualify for SSDI benefits, do not let myths and misconceptions discourage you from applying. Consult with a qualified SSDI attorney or disability advocate to guide you through the application process and present the strongest case possible for receiving the support you need. Accurate information and proper guidance can make all the difference in getting the benefits you are entitled to.