As a critical part of millions of Americans’ lives, Social Security disability is the subject of stories, rants, tips, and misinformation. Here are 5 of the most common myths about Social Security disability benefits, and what the truth is behind the stories:
Top 5 Myths About Social Security Disability
Myth 1: Everyone gets denied the first time they apply.
A common misconception is that everyone is denied the first time they apply for Social Security disability. This is simply untrue, in fact about 73% of applicants are denied the first time around. Out of the 73% of denials, most are technical denials, while the rest fail for medical reasons. Overall, applying for SSD benefits on your own can be a difficult process. Having an experienced lawyer on your side means submitting an error-free claim the first time.
Myth 2: Getting a disability attorney is too expensive.
Did you know that disability attorneys do not get paid unless you win? Even if you do win, attorneys are only allowed to be paid from your owed retro pay and the amount of money that they receive is capped at 25% or a maximum amount of $6,000. If that looks high to you, consider this: In 2018, the average fee held by the SSA for attorneys and advocates was $3,120. This means that these attorneys were able to win their claimants over $12,000 in a lump-sum payment on top of their monthly benefits!
Myth 3: You have to be out of work for a year before you can apply for SSD benefits.
It is not necessary to be out of work for a whole year before you apply. In fact, If your health prevents you from working for at least a year, apply for disability benefits right away. The sooner you apply, the faster you may get those much-needed benefits.
Myth 4: It takes years to be approved.
The amount of time it takes to win disability benefits is on a case-to-case basis. Some applicants may find that having a disability attorney on their side when applying for benefits can help speed up the claim process. For example, an attorney can make sure you submit all proper documentation and handle your appeal, if needed.
Myth 5: People who have never worked receive SSDI benefits.
In order to receive Social Security disability insurance (SSDI) benefits you must have worked 5 out of the previous 10 years and contributed a part of your wages to Social Security through taxes. For most employers this is an automatic deduction from your paycheck. If you have never worked or contributed to the SSDI program, you may be eligible for SSI at a much lower monthly amount as a form of welfare, but not SSDI.
You May Qualify for Legal Assistance
If you still have questions after reading these myths about Social Security disability, we recommend talking to a lawyer. Every attorney in our network offers free, no-obligation consultations to give confidential answers to all your claim questions. Whether you file on your own or with professional help from a lawyer, it’s always free to apply. The only time you’ll pay is if that lawyer helps you win benefits. And if you do win, you’ll only pay a small, one-time fee.
Ready to see if you may qualify? Click the button below to start your free online benefits evaluation now!