Common Misconceptions about Social Security Disability Insurance Benefits

For those who are disabled and unable to work, there are certain benefits that can help. As long as you can prove that your disability does not allow you to work and you have a good work history, you may be eligible for Social Security Disability Insurance (SSDI) Benefits. That being said, there are many misconceptions that may cause you to try to get the benefits whether you qualify or not. These misconceptions may also keep you from applying.

Here are some common misconceptions that you may have heard.

The Social Security Disability Insurance (SSDI) program is too complicated even to try to get the benefits that I deserve. 

It can be overwhelming, but with some guidance, you should be able to get the benefits that you deserve, as long as you qualify. It never hurts to talk to a lawyer to see if it is worth going through the process.

The payments aren't worth the trouble of applying for SSDI benefits.

You may be eligible for one or two thousand dollars a month when you apply. Though that may not be as much as you were hoping, that money can really help you stay on top of your finances. You deserve this money, so you should do everything that you can to get it!

My doctor's note should be enough for me to get benefits. 

In order to apply for disability, you are going to need more than a doctor's note. You will need your full medical history and your work history. The judge will look over your test results and the medications that you take on a regular basis.

I will have the money that I deserve quickly. 

The truth is that it takes time to go through the whole process. In fact, it can take up to five months to get results, unless you are dealing with a terminal illness. After that, it can take another month or two until you are able to start collecting your benefits. If you have to appeal, it can take even longer. 

The system is rigged and disqualifies as many people as possible. 

Though funding is a problem, the truth is that the people who truly need disability benefits will be approved, even if they have to go through the appeals process.

I don't have to think about these benefits because I get long-term disability insurance at work. 

Long-term disability at work may not be enough to cover your needs. Plus, what happens if you are injured at home? Your work disability may not cover you unless you got hurt while you were working. There are many misconceptions when it comes to Social Security Disability Insurance benefits. Many people don't apply because they don't want to have to go through a difficult process. They may feel like it isn't worth going through it. Others feel like it is rigged and that most people will get denied, so they don't even bother trying.

Some people make a mistake in how they think about their disability. They may over or underplay it, in order to say what they think they should. However, if you are caught, you could end up losing your ability to get benefits at all!

If you think that you may qualify for  Social Security Disability Insurance (SSDI) Benefits, you should contact a lawyer today. They will help you through the process so that you can get the benefits that you deserve as quickly as possible.