Common SSDI Myths and Misconceptions: Separating Fact from Fiction

Social Security Disability Insurance (SSDI) is a government program that nearly every US worker pays into through our taxes.  And yet there are a lot of myths about applying for SSDI. 

If you become unable to work because of a disability, SSDI provides financial assistance to make up for your missing wages. It is a powerful insurance program and a part of the American working world.

Despite the program’s importance, all the myths and misconceptions surrounding SSDI can prevent eligible people from receiving the benefits they need.

Myth #1: You can only receive SSDI if you have a work-related injury.

Fact: SSDI benefits are available to individuals who have a qualifying disability, regardless of whether it was caused by a work-related injury or not.

When you apply, you don’t need to prove where or how you became disabled. You should focus instead on proving your medical condition and how it impacts your ability to work.

Myth #2: You can’t work and receive SSDI benefits.

Fact: It’s possible to work and receive SSDI benefits, but there are certain limitations and restrictions.

You can earn a certain amount of income each month without affecting your benefits, but if you earn too much, your benefits may be reduced or eliminated.

These numbers change every year, but here’s a basic overview on getting SSDI while doing part-time work

Myth #3: SSDI is only for people who are permanently disabled.

Fact: SSDI benefits are available to individuals who have a disability that is expected to last at least 12 months or result in death.

The benefits vary widely depending on the type of disability and chances of recovery.

For a lot of serious illnesses and injuries, recovery is possible but could take years. Once you do feel well enough to work, you can phase out of SSDI as you get used to returning to your career.

Myth #4: You have to be completely disabled to receive SSDI.

Fact: SSDI benefits are available to workers who are unable to perform substantial gainful activity (SGA) due to their disability.

For some people, this might mean that your disability impacts your ability to get a job, even if certain other people could do the work. For example, let’s say you’re nearing retirement. Depending on your injury, you may struggle to find a job in your field, and you may not have time to train into an entirely new career.

The situation is different for everyone, which is partly why the application process can be so complicated. 

Myth #5: Applying for SSDI is easy, and people take advantage of it.

Fact: The SSDI application process can be complex and time-consuming.

Most people who apply for SSDI report a long, frustrating experience. People without legal help really struggle to get the benefits they need.

The SSA denies the majority of applicants on the first try. In that situation, you need an attorney to help you navigate the appeals process.

darrell_castleHelp with Applying for SSDI

Our Memphis SSDI firm wants to make applying for SSDI as easy as possible. To that end, we’ve created a free SSDI application guide to help you prepare all your materials for the first round.

However, even if you turn in an excellent first application, the SSA denies the vast majority of applications on the first try. After that, you have 60 days to appeal. And at that step, you need to get a lawyer.

With decades of experience in SSDI appeals cases, our dedicated, award-winning legal team is here for you. We have the knowledge, skills, and expertise to guide you through every step of the process.

Plus, we don’t make a penny unless you win, and even then it’s just a fraction of your past-due benefits.

If you’re looking for compassionate representation and tireless work on your behalf, you’ve come to the right place.

Don’t wait to get started (remember you only have 60 days to appeal). Call us at 901-327-2100 or use the form below.

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