When it comes to Social Security Disability Insurance, there are many myths and misconceptions that circulate widely. These can lead to confusion and can even deter people from applying for the benefits they rightfully deserve.
The Social Security Disability Insurance program is a federal insurance program that provides benefits to people who cannot work because of a medical condition that usually lasts at least one year or results in death. Understanding the program’s truths and falsities is important for potential applicants.
Is SSDI impossible to get?
One common misconception is that SSDI benefits are almost impossible to obtain. While the process can be lengthy and requires substantial evidence to demonstrate disability, many applicants do successfully receive benefits. The key is to provide thorough and accurate medical and employment information that clearly shows eligibility.
Must you wait a year after disability onset to apply?
Some people believe they must wait one year after the onset of their disability before they can apply for SSDI. This is not the case. As soon as someone realizes that they have a disability that is likely to last a year or more, they can and should apply for SSDI benefits.
Are SSDI and Supplemental Security Income benefits the same?
While both SSDI and Supplemental Security Income (SSI) are programs administered by the Social Security Administration, they are not the same. SSDI provides benefits based on a worker’s previous contributions to the Social Security system. In contrast, SSI provides benefits based on financial need and does not require a work history.
Can you work while receiving SSDI?
Many people think that if they are receiving SSDI benefits, they cannot work. This is not entirely true. The Social Security Administration offers work incentives and programs to help people receiving SSDI return to work and still receive monthly benefits.
Understanding the truths about SSDI can help guide individuals through the application process.