Do you think you cannot successfully apply for and receive Social Security Disability Insurance benefits? Why do so many people entitled to these benefits fail to claim them?
Unfortunately, many false beliefs discourage people. Some common attitudes are that it is nearly impossible to get SSD, so why bother with a long, arduous process — only to face rejection.
Learn what is true and what is false
As with most government systems, complex rules and confusing information are abundant and intimidating. The thought of attacking a maze of dead ends or perplexing eligibility requirements is enough to make anyone give up. Living with a disability puts an extra layer of obstacles in your path when you approach this daunting task.
You may suffer from physical, mental or a combination of disabilities that can make even simple daily tasks hard to perform. Before letting discouragement stall your ability to get much-needed benefits, think about using professional help. You deserve to find out what benefits are available to you. You do not have to do all the hard work yourself. Above all, do not let myths about Social Security Disability stop your progress:
Myth #1: The SSA will automatically deny your first application.
It is true that many first applications fail acceptance, but it is not because SSA has a denial policy in place. The problem is that the application process can be time-consuming and complicated. You must hunt down paperwork and fill out forms. A single error in any step of the process will almost guarantee you are not accepted the first time.
Myth #2: You can rely on SSA to give you correct information.
Unfortunately, the phrase “trust but verify” is never more valid than with a government organization. SSA employees, like workers everywhere, can make errors. They may give you incorrect information. With all the complicated rules, even SSA employees might misunderstand some application requirements. Verify every “fact” from SSA.
Myth #3: You must wait a year before applying for SSD.
You can start your application on the same day you become disabled. The 12-month rule is that your disability must last at least a year or more. This is simply a medical estimate. It has nothing to do with the timing of your application.
Myth #4: You cannot afford a Social Security Disability attorney.
Even though applying for SSD is undeniably stressful, do not give up just yet. People with disabilities who finally get accepted are usually those who hire a specialist to help them. Going through this process alone is not an easy job for beginners. The government has laws that make it affordable for you to get legal help with your claim.