- Christopher Le
Top 7 Misconceptions regarding Social Security Disability
What are the top 7 misconceptions when it comes to Social Security Disability from a lawyer's point of view?
Social Security Disability Insurance (SSDI) is a federal program that provides financial support to individuals who are unable to work due to a disabling medical condition. Despite the program’s widespread use, there are many misconceptions about how it works and who is eligible for benefits. In this blog, we’ll explore the top 7 misconceptions about social security disability.
Social Security Disability is Easy to Obtain
Many people believe that getting approved for SSDI is a simple and straightforward process. However, the truth is that the majority of initial applications are denied. According to the Social Security Administration (SSA), only about 36% of initial disability applications are approved. The application process can be complex and time-consuming, and it’s important to have an experienced attorney to help you navigate the system.
2. You Can’t Work While Receiving SSDI
One common misconception is that you cannot work while receiving SSDI benefits. This is not entirely true. While there are limits to the amount of income you can earn while receiving SSDI, you are still allowed to work and earn up to a certain amount without losing your benefits. The amount changes each year, and it is important to consult with an social securit attorney to determine how much you can earn while still receiving benefits.
3. Only Physical Disabilities Qualify for SSDI
Another common misconception is that only physical disabilities qualify for SSDI. This is not true. SSDI benefits are available to individuals who have a medical condition that prevents them from working for at least 12 months or is expected to result in death. This includes both physical and mental conditions such as depression, anxiety, bipolar disorder, and schizophrenia.
4. SSDI Benefits Are the Same as Retirement Benefits
SSDI benefits are often confused with retirement benefits, but they are not the same. Retirement benefits are based on your work history and the amount of money you have paid into the Social Security system over the years. SSDI benefits, on the other hand, are based on your disability and how much you have earned in the past. In general, SSDI benefits are lower than retirement benefits.
5. SSDI Benefits Are Permanent
Another common misconception is that SSDI benefits are permanent. In reality, SSDI benefits can be terminated if your medical condition improves to the point where you can return to work. The SSA regularly reviews the status of your disability and may terminate your benefits if they determine that you are no longer disabled.
6. You Must Be Totally Disabled to Receive SSDI Benefits
Many people believe that they must be totally disabled to receive SSDI benefits. This is not true. The SSA defines disability as the inability to engage in substantial gainful activity (SGA) due to a medical condition. This means that you may still be eligible for benefits even if you are able to perform some types of work.
7. Only Older People Can Receive SSDI Benefits
Another common misconception is that only older people can receive SSDI benefits. In reality, SSDI benefits are available to individuals of all ages who meet the SSA’s definition of disability. However, older individuals may have an easier time qualifying for benefits due to the SSA’s age-related criteria.
In conclusion, understanding the facts about Social Security Disability can help you make informed decisions about your future. It is important to work with an experienced disability lawyer who can guide you through the complex application process and help you get the benefits you need. If you have questions about your eligibility for SSDI benefits, contact the Social Security Administration or an experienced attorney today.