A disability can wreak havoc on your life, such as by impacting your ability to work. Should you find yourself in this position, it may be time to seek Social Security Disability (SSD) benefits.
While the process of applying is not as challenging as many people make it out to be, there are a variety of misconceptions that can soon knock you off track.
Here are some of the most common misconceptions associated with SSD benefit claims:
- You’re not eligible: As a social insurance program that you pay into, there’s a very good chance that you’re eligible for benefits. It doesn’t mean that you have a qualified disability, but you’re at least in position to file a claim.
- Every disability qualifies: It’s not up to you to define what is and isn’t a disability. Instead, there are strict rules associated with Social Security’s Disability program. Furthermore, these rules are strictly enforced, which could result in a denial.
- Social Security Disability payments will replace your income. It would be nice if this was the case, but it’s not. According to the Social Security Administration, the average monthly disability benefit paid out to disabled workers in 2019 was $1,234. It’s not likely that that’s anywhere close to how much you earn at work.
- It’s easy to fudge your circumstances to obtain benefits: Social Security Disability fraud is a major concern. For this reason, the administration, along with the Office of the Inspector General, has implemented a zero tolerance policy with respect to fraud. Attempting to defraud the system, regardless of the reason, could land you in hot water with the authorities. The government has taken drastic measures to not only detect fraud, but to also prosecute those who commit a crime.
There’s a lot you need to know before filing a claim for Social Security disability benefits. However, you shouldn’t let these finer details stop you from proceeding. If you have a disability that’s keeping you out of work, take action.
In the event that you receive a denial letter, don’t give up. Appeal the decision, provide more information and do whatever it takes to obtain the benefits you deserve.