If you have a disability or health condition that drastically interferes with your ability to work, you have likely considered applying for Social Security Disability Insurance (SSDI). SSDI is a federal program that provides long-term financial support to those who have contributed to the program as working adults.
However, despite these benefits, there’s a great deal of misinformation surrounding SSDI that may prevent you from even trying to qualify. To help you separate fact from fiction, here are three myths regarding SSDI and the facts behind them:
Myth: SSDI will replace all of your income
Many people assume that Social Security disability payments will replace the majority of their work-related income. The truth is these payments are only meant to replace a portion of your lost income – not all of it. In 2015, the average monthly disability payment was $1,165. These modest benefits usually only help people cover their basic necessities for living.
Myth: Social Security disability benefits cover you for life
In some cases, individuals may collect SSDI payments for the remainder of their life; however, you will not automatically get help for life. The Social Security Administration will review medical conditions periodically to see if there are any changes or improvements to your health. How often the administration reviews your case will depend on the disability you have, will vary depending on how likely rehabilitation is for you.
Myth: A disability diagnosis from a doctor is enough to qualify
According to Everyday Health, one of the more common misconceptions about SSDI is that you are guaranteed Social Security benefits once your doctor says you are disabled. The reality is the decision of whether or not you qualify for SSDI is a legal one. If a credible medical professional diagnoses your disability and provides detailed records, submitting these records with your claim can help. But ultimately, the decision is up to the Social Security Administration.
If you have any questions or concerns regarding the application process for SSDI, speaking with an attorney can help. By knowing facts about SSDI, you can ensure you get the most out of your benefits.