When it comes to Social Security Disability (SSD) benefits, there is a lot of misinformation floating around. Many people have misconceptions about the application process, eligibility requirements, and the benefits themselves. In this post, we will debunk five common myths about SSD benefits to help you better understand your rights and options.
Myth 1: You Must Be Permanently Disabled to Qualify for SSD Benefits
Contrary to popular belief, you do not need to be permanently disabled to qualify for SSD benefits. The Social Security Administration (SSA) defines disability as a condition that prevents you from engaging in substantial gainful activity (SGA) for at least 12 months or is expected to result in death. This means that if your disability is expected to last at least one year, you may be eligible for benefits, even if you eventually recover.
Myth 2: You Can't Work at All While Receiving SSD Benefits
While it is true that your disability must prevent you from engaging in SGA to qualify for benefits, this does not mean that you cannot work at all. The SSA has a program called Ticket to Work that helps beneficiaries find suitable employment and maintain their benefits. Additionally, there are specific work incentives, such as a trial work period, that allow you to test your ability to work without losing your benefits.
Myth 3: SSD Benefits Are Only for Those with Physical Disabilities
Many people mistakenly believe that SSD benefits are only available to those with physical disabilities. However, the SSA recognizes mental health conditions as well, such as depression, anxiety, schizophrenia, and bipolar disorder. To qualify for benefits due to a mental health condition, you must meet the SSA's specific criteria for that condition and be unable to engage in SGA.
Myth 4: You Must Wait One Year After Becoming Disabled to Apply for SSD Benefits
This myth is particularly harmful, as it can cause people to miss out on essential benefits. While your disability must be expected to last at least 12 months, you do not need to wait a full year to apply. In fact, it is recommended that you apply as soon as you become disabled, as the application process can take several months to complete. The sooner you apply, the sooner you can potentially begin receiving benefits.
Myth 5: SSD Benefits Are Automatically Granted After a Certain Age
Some people believe that they will automatically receive SSD benefits once they reach a specific age. However, SSD benefits are not based on age but rather on your inability to engage in SGA due to a disabling condition. You must meet the SSA's disability criteria and provide sufficient medical evidence to qualify for benefits, regardless of your age.
Now that we have debunked these common myths about Social Security Disability benefits, it is essential to understand your rights and options. At Stipe Law Firm, we have extensive experience helping clients navigate the complex SSD application process and can help you separate fact from fiction. If you have questions about your eligibility for SSD benefits or need assistance with your application, contact us today for a consultation.