Social Security Disability Insurance (SSDI) benefits can be a savior for a worker who can no longer continue working after an injury or illness. Imagine how hard life may become when you struggle to make ends meet without a regular income and job. Statistics show that 7.6 million people in the US received these benefits in 2023. That means millions of families are in a better place to survive amid a financial crisis. 

However, you shouldn’t assume everything you may have heard about SSDI through the grapevine or read from random online sources. Myths and misinformation abound, and they can affect your ability to claim or receive your benefits. Moreover, confusion and misinformation can cause immense stress. 

We will debunk some common misconceptions, helping you understand the realities of the SSDI system and make informed decisions about their disability benefits.

Misconception #1: SSDI approval is guaranteed for disabled people

Of course, you must have a disability to be eligible for SSDI eligibility. However, it hardly guarantees approval, so be sure to check the facts before seeking it. The Social Security Administration (SSA) follows stringent criteria for determining disability. For example, it checks the severity of impairment and the extent of its impact on work capabilities. 

You should have proper and thorough medical evidence to support your claims. Also, denials can occur if your documentary proof is lacking somewhere. Knowing this fact will help you prepare better for the claim.

Misconception #2: You can get SSDI benefits quickly

Unfortunately, this is only a myth because the SSDI application process is notorious for its long timelines. Expect multiple stages, from initial application to reconsideration. You may even have to appear for a hearing before an administrative law judge if required. 

Approval times can vary for individuals and many applicants experience delays. The best piece of advice is to apply as soon as possible and be ready for a potentially lengthy waiting period.

Misconception #3: Only permanent disabilities qualify for SSDI

You may miss out on the opportunity to get the benefits you deserve if you believe this myth. The good news is that both permanent and long-term disabilities qualify. However, the disability must be expected to last for at least 12 months (even if temporary) or result in death. 

You can seek guidance from a seasoned Social Security Disability Lawyer to understand your eligibility in this context. Temporary disabilities or those expected to resolve before a year may not meet the eligibility criteria. A lawyer can help you determine if you actually have a valid claim. 

Misconception #4: You cannot work while receiving SSDI

You will probably think that getting SSDI means you cannot work because you are disabled. However, SSDI recognizes that some individuals may be capable of engaging in limited work activities. 

The “Substantial Gainful Activity” (SGA) threshold determines the maximum income a person can earn while still qualifying for these benefits. Understanding the rules surrounding work and SSDI benefits is essential to avoid potential complications down the road.

Misconception #5: You cannot apply for the benefit if you have savings or assets

Financial aid is the cornerstone of disability benefits because they aim to keep you afloat. SSDI eligibility depends on work history and contributions to the Social Security system. They are not about financial need in the event of a disability. 

While Supplemental Security Income (SSI) considers financial resources, SSDI does not. Your savings, assets, or other financial resources will not affect your eligibility for the benefits.

Misconception #6: You cannot reapply after a denial

A denial is not the end of the road for applicants. You don’t need to stress if you get one during the initial application or reconsideration. You are not alone because many applicants initially get it.

You still have the right to appeal. It entails a hearing before an administrative law judge to present additional evidence supporting your claim. A good lawyer can help you get things in your favor the next time.

Misconception #7: You don’t need legal representation 

Applicants may consider filing the SSDI application process alone without legal representation. While it is doable, you may not get the best outcomes alone. 

Having an experienced attorney gives you a better chance of success. You can ask questions, get advice, and provide strong evidence with their help. Attorneys specializing in SSDI know the system and guide you through the application and appeal process.

Conclusion

Steering clear of these misconceptions while navigating the SSDI application process can make a difference to the outcomes of your claim. You have better chances of getting the benefits you rightfully deserve.