Navigating Social Security Disability Insurance (SSDI) can be confusing, especially when misconceptions and myths about Social Security abound. Is SSDI worth it?
Keep reading to learn more. We’ll debunk common disability misconceptions surrounding SSDI and clarify what you need to know to make an informed decision.
What Are Common Disability Misconceptions and Myths?
Let’s clear up several disability myths and misconceptions. Armed with facts, you can better understand your rights and options.
You Must Be Disabled for a Year Before Applying for Disability Benefits
The reality is that you should apply for SSDI benefits as soon as you are disabled and believe your condition will last at least 12 months or result in death. The application process can take months, and delays can mean waiting longer to receive benefits.
You Can Only Apply for Disability Benefits Within a Certain Period
There is no strict deadline for applying for SSDI benefits. However, it’s best to apply as soon as you become disabled and unable to work. Delaying your application can affect the benefits you receive, particularly your back pay.
You Must Be Close to Retirement Age to Receive Disability Benefits
While it’s true that older applicants may have higher approval rates, SSDI is available to anyone who meets the disability criteria, regardless of age. Younger people can and do qualify for SSDI benefits.
You Cannot Simultaneously Receive Workers’ Compensation and Disability Benefits
You can receive workers comp and SSDI benefits at the same time. However, your benefits may be reduced by an “offset.” This reduction means the total amount you receive from both sources cannot exceed 80% of your average earnings before you become disabled.
Disability Benefits Provide Enough Income to Replace Your Salary Fully
In reality, benefits typically only cover a portion of your previous earnings. The exact amount varies based on your average lifetime earnings before becoming disabled.
Many recipients find that SSDI alone isn’t enough to cover all their expenses, so it’s important to plan accordingly and explore additional sources of support if needed.
You Cannot Hold a Job of Any Kind and Receive Disability Benefits
The truth is that SSDI allows people to work on a limited basis. The Social Security Administration (SSA) has rules about “substantial gainful activity” (SGA), which in 2024 is set at $1,550 per month for the non-blind and $2,590 for blind people. You may still qualify for benefits if your earnings stay below this threshold.
If Your Medical Condition Is Uncommon, You Won’t Receive Benefits
The SSA’s “Blue Book” lists medical conditions that are automatically disabling. However, that doesn’t mean if your condition isn’t listed, you won’t qualify.
Benefits are still available if your condition prevents you from working. The key is demonstrating that your symptoms and limitations make it impossible to maintain gainful employment.
Once You Obtain Benefits, You Are Considered Permanently Disabled
When you receive benefits, it does not guarantee you will receive them permanently. SSA periodically reviews recipients to ensure they still meet disability criteria. These reviews, known as Continuing Disability Reviews (CDRs), depend on the likelihood of medical improvement.
Your benefits will continue if you meet the SSA’s standards. However, the SSA may discontinue your benefits if your medical condition improves and you can return to work.
Hiring a Lawyer to Help with an SSDI Claim is Too Expensive
Most SSDI attorneys work on a contingency fee basis, so they only get paid if you win your case. Moreover, the SSA regulates attorney fees, capping them at 25% of past-due benefits, up to a maximum of $7,200.
Considering the complex nature of SSDI claims, working with an attorney can significantly increase your chances of success, and it is well worth this reasonable fee.
Get the SSDI Benefits You Deserve with Cottrell Law Office by Your Side
Navigating the SSDI process can be overwhelming, especially when you’re already dealing with disability challenges. At Cottrell Law Office, we understand the frustration and uncertainty of securing the benefits you’re entitled to.
With over 32 years of dedicated experience and over $150 million in client settlements and verdicts, our compassionate team is here to guide you through every step of the SSDI process.
We know how to handle denied claims, present strong evidence, and fight for your rights so you don’t have to face this journey alone. Let us use our extensive experience to simplify the process for you, maximize your chances of approval, and ensure you receive the financial support you need to move forward confidently.
Contact us at our Missouri or Arkansas office today to schedule a free consultation, and let us help you achieve the peace of mind you deserve.
Wesley Cottrell
Wes Cottrell earned his B.A. from Pittsburg State University in 1981 and his J.D. from the Washburn University School of Law in Topeka, Kansas in 1985. He was admitted to practice law in Kansas in 1986, in Missouri in 1987, in Arkansas in 1989, and Oklahoma in 1993. He is licensed to practice law in the United States District Court for the District of Kansas, eastern Arkansas, western Arkansas, and western Missouri. He was Deputy Prosecuting Attorney in Crawford County, Kansas from 1987-1989.
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