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Dispelling Social Security disability myths

There are a variety of Social Security disability myths that may prevent some disabled individuals from seeking benefits, so it is important to be familiar with the facts concerning SSD benefits. It is important to understand that thinking about disability can be important for everyone. Greater than 1-in-4 20 year olds become disabled before they reach retirement age, so suffering with a disability, unfortunately, may be more common than many workers realize.

It is important to keep in mind that qualifying for SSD benefits may be through the Compassionate Allowances list, which is reserved for conditions that are so serious they obviously meet the requirements for disability, and, as such, can receive expedited claims processing. In addition to suffering from a disability due to a physical or mental medical condition that prevents the applicant from working, the applicant must have a sufficient work history to obtain benefits. The process used to determine work history earnings can be complex so it is important to be familiar with the process of how earnings are determined.

There can be a number of SSD myths and misconceptions, so it is important for disabled individuals in need of benefits to understand how to apply and to be aware of the appeals process if a claim for benefits is denied. The appeals process includes several levels of appeals, so applicants should be familiar with how to best present their case for benefits.

Disabled individuals may rely on their Social Security disability benefits to have a clear understanding of how the program works. Armed with thorough knowledge of the process, they can better apply for, and obtain, benefits.

Source: Social Security Administration, "Myths and Facts About Social Security's Disability Program," Jim Borland, Nov. 4, 2016

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