Social Security Disability Insurance (SSDI) is a division of the Social Security program that most Americans only get to learn about when they pick up an illness or sustain an injury. Eligibility for SSDI benefits is particularly a subject that is clouded with confusion, and this has made it difficult for potential claimants to get the hang of how the program works. This article looks to debunk five of the most misleading myths regarding SSDI.
Myth #1: You will receive SSDI benefits for the rest of your life
While this may be true for some individuals, the Social Security Administration (SSA) discontinues benefits for people whose situations eventually get better. Note that SSDI benefits are only meant to cover part of the income that the injury has caused you to lose. Unless you are diagnosed with a permanent disability, the SSA will review your condition occasionally to see if you still qualify for the benefits.
Myth #2: It’s over for you if the SSA denies your claim
This is a lie. The SSA is almost as likely to deny your claim as it is to accept it. Don’t fret if your disability claim has been rejected. There are many attorneys that can help with your social security disability claim if it’s denied. Get in touch with one as soon as you can and let them file a petition for you. A lawsuit may be necessary in some cases so be sure to have a seasoned lawyer by your side for when push comes to shove.
Myth #3: You’re automatically qualified for SSDI if your doctor says so
Apparently, the SSA does not trust your doctor, so don’t go looking for someone who will exaggerate your injuries and write a favorable report for you. The SSA has the final say on whether you are disabled or not, so make it easy for them and yourself by attaching an honest medical report to your claim.
Myth #4: You cannot claim if you have never worked
One of the most crucial factors used in calculating SSDI benefits is the work credits you have accumulated over your working years, but it definitely isn’t a prerequisite. You do not need to have worked at all to qualify for SSDI benefits. If an injury prevented you from ever securing a job, then the SSA will consider your claim.
Myth #5: You cannot receive SSDI benefits and workers’ compensation at the same time
The SSDI benefits for someone who is receiving workers’ compensation may be significantly less than those for someone who relies solely on SSD. However, the two are not set to be mutually exclusive.
This is how the SSA determines the amount you receive when both SSD benefits and workers’ compensation are involved. The two payments will be added up, and if the total amount exceeds 80 percent of your current monthly earnings, the excess amount will be subtracted from the SSD benefits. This means that what you receive in workers’ compensation will not be reduced at all, unless of course they surpass the 80 percent limit.