Many people have certain ideas and assumptions when it comes to Social Security Disability Benefits. It’s important to understand how the program works and what assumptions are just myths. You want to get the most out of Social Security when you reach that point, so you need to know the best way to proceed and a large part of that is knowing the truth.
7 common misconceptions about Social Security Disability Benefits:
- Assuming that you will be denied benefits.
Sometimes people wonder why they should bother filing because they assume that they will be denied. If you are denied, you can always appeal.
- Social Security Disability benefits will replace most of your work income.
The program is designed to help people pay for basic needs. It is not designed and will not replace all of your work-related income.
- If your doctor says you’re disabled, you will qualify.
The decision is technically a legal one, not a medical one. The final decision is up to the Social Security Administration, but your doctor’s documentation will help prove your case.
- Once you qualify, you’re in for life.
This is possible, but it’s not an automatic thing. Your medical condition will be reviewed periodically for any improvement.
- The first step is hiring a lawyer.
It may be beneficial to work with a lawyer, but the first step is talking to your doctor. You also need to make sure that you’re following the treatment suggestions from your doctor to assure that you’re trying to improve your condition.
- Your payments will kick in automatically.
You should apply for Social Security Disability Benefits as soon as possible. You don’t want to run out of money while you’re waiting. The processing of your file will take three to five months. Then, your first payment will be for the sixth full month after your disability effective date.
- The possibility of becoming disabled is low.
This possibility is actually higher than you think. One in four 20 year old workers who are insured for these benefits will become disabled before retirement age hits.
Applying for Social Security Disability Benefits can be an intimidating process, so it’s important to understand how it works. Please contact us with any questions about the best way to move forward with your case.