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3 Myths About Social Security Disability Insurance

| Dec 17, 2020 | Social Security Disability Benefits

When an injury or illness interferes with a person’s ability to work, they may apply for Social Security Disability Insurance (SSDI) for financial assistance. However, for many people, applying to this federal program can be an intimidating process.

There is a great deal of misinformation surrounding SSDI that can keep people from seeking the help they need. Here are three of the most common myths about SSDI and the facts behind them.

Myth 1: The program denies most applicants, so there’s no point in applying.

While it’s true that it’s not uncommon for applicants to get denied the first time they apply, this doesn’t mean that you shouldn’t try. The Social Security Administration wants to provide disability benefits to those who need them. You have a right to appeal any decision the administration makes.

Applicants may also choose to work with an SSDI attorney who understands the process and requirements of the application process. An attorney can also advocate for you should you need to appeal the administration’s initial decision.

Myth 2: SSDI will replace your work income.

While Supplemental Security Income is a program that provides payments for individuals with little to no income, SSDI benefits are much more modest. The program essentially provides supplemental support for people who can’t regularly work due to their illness or injury. While it won’t replace your income, it will act as a financial safety net.

Myth 3: Once you’re approved for SSDI, you’ll have it for life.

In general, social security benefits will continue for as long as a person has a disability that prevents them from working. But the law requires that the administration reviews individuals periodically to verify that it is still the case. Health conditions that will improve or could possibly improve face reviews more frequently. Conditions that won’t improve require far fewer reviews from the administration.

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