Social Security Disability Insurance benefits are often misunderstood, even by people who qualify. Misinformation may discourage these individuals from applying for SSDI.

Review the facts behind common myths about SSDI.

You will lose SSDI if you try to work

Actually, the Social Security Administration allows you to retain some benefits if you attempt to return to work with your disability. The Trial Work Period allows you to earn at least $940 per month for nine months while still receiving your full SSDI payment. These nine months do not have to occur consecutively but must be in the same five-year period.

The Extended Period of Eligibility, which allows eligible benefit recipients to collect benefits in months they earn less than the current SSA Substantial Gainful Activity Level. EPE lasts 36 months and does not affect your SSDI eligibility if your disability again prevents you from working.

Few Americans have a disability

While many people perceive disability as rare, 61 million U.S. adults have a disabling condition according to the Centers for Disease Control and Prevention. The CDC also notes that this number represents 26% of Americans ages 18 and older.

You have to wait a year to apply for SSDI

Some people think the SSDI program has a 12-month waiting period. In fact, you can apply for benefits as soon as your doctor diagnoses you with an illness or injury that will prevent you from working for at least a year.

If you or a loved one has become disabled, you may be able to receive SSDI benefits. If your initial application receives a denial, you have the right to start the appeal process.