Common Myths About Social Security Disability Benefits

Did you know that an average of almost 68 million Americans are receiving Social Security benefits monthly? This totals about $1.5 trillion in benefits paid during the year.

Applying for Social Security benefits can feel overwhelming, particularly when myths about the process obscure your path forward. Many people hesitate to apply or get discouraged by misinformation, unsure if it truly applies to them. This makes an already tough process even tougher. It can be frustrating and disheartening for many who simply want to get the support they need.

We understand these concerns, so we will set the record straight by highlighting (and distinguishing between) Social Security facts and myths. We’ll break down barriers of confusion with clarity and straightforward explanations so you can dispel any doubts and approach the application process with certainty and ease.

What Is Social Security Disability Insurance?

Social Security Disability Insurance or simply SSD, is a federal government program that provides financial support to people who cannot work due to a significant medical condition that is expected to last at least a year or result in death. Funded through payroll taxes, it is available to workers who have paid into the system through their earnings records. SSD aims to ease financial burdens and can help recipients manage their basic living expenses.

Debunking Myths About Social Security Disability Benefits

Myth 1: Benefits Are Only for Permanent Disabilities

This is a common misconception. Social Security Disability benefits are available for individuals with disabling conditions expected to last at least 12 months or result in death. You don’t need to prove that your condition is permanent, only that it significantly limits your ability to work for a sustained period. Temporary but severe conditions that meet this one-year duration requirement can also qualify. The Social Security Administration (SSA) focuses on whether the condition prevents substantial gainful activity, not on whether it is permanent. 

Myth 2: You Can Only Apply Once

Applicants can reapply if their situation changes or if they obtain additional evidence to support their claim. It’s important to remain diligent and tenacious, as persistence coupled with our expert assistance can lead to eventual approval. This myth may dissuade many but remember that SSD allows for changes in conditions and evidence, which makes it worth reapplying with new information.

At Binder and Binder, we are also always prepared to appeal a case if you are wrongfully denied. This preserves any benefits you are entitled to while your case is reviewed at the next level.

Myth 3: Most Claims Are Denied

It’s a common misconception that SSD claims are almost always denied. While the statistics may seem discouraging—about 20-23% of initial claims are approved, and nearly 67% are denied initially—these figures don’t tell the whole story.

Many claims are approved during the appeals process. A well-prepared appeal, supported by thorough documentation and expert guidance, can significantly improve your chances of success. The initial denial often occurs due to incomplete applications, lack of detailed medical evidence, or misunderstandings about eligibility criteria.

Don’t be discouraged by an initial denial. You have the right to appeal, and with our support, you can build a stronger case. Together, we’ll ensure your claim is properly presented, giving you the best chance to secure the benefits you deserve.

Myth 4: Part-Time Work Automatically Disqualifies You

A common misunderstanding is that any part-time work makes you ineligible for SSD benefits. However, SSA evaluates more than just your employment status—it considers whether your work constitutes substantial gainful activity (SGA). In 2024, SGA is defined as earning more than $1,550 per month for non-blind individuals or $2,590 per month for blind individuals. If your income falls below these thresholds, your part-time work will not automatically prevent you from qualifying for benefits.

Myth 5: Only Physical Disabilities Are Eligible

There is a common but incorrect belief that SSD benefits cater only to physical disabilities. The reality is more inclusive: Mental health conditions, such as depression, anxiety, and bipolar disorder, are recognized and can significantly affect one’s daily functioning. Understanding these policies will help applicants better demonstrate and present how their disability meets the eligibility criteria.

Myth 6: The Process Is Fast and Easy

Many might think applying for SSD benefits is a swift and straightforward procedure, but reality often proves otherwise. Dealing with the SSD application process is rarely quick or straightforward. First, it may seem like a simple filing task, but evaluating eligibility involves details surrounding conditions and earnings records. Ensuring all medical documents are thorough and reflect the true extent of your disability is a time-consuming yet essential part of this process and one that you should entrust to our team.

On average, the initial application process takes 3 to 5 months, according to SSA (it can take much longer in certain areas of the country). However, this is just the beginning. If your initial claim is denied and you decide to appeal the decision, the process can extend much longer. The request for reconsideration generally takes another 3 to 6 months, and if it leads to a hearing before an administrative law judge, the wait can extend up to a year or longer. There are certain actions we can take to try to speed the process along, but they are not always successful, However, if you are waiting for a hearing date and are discouraged by the long wait, you should contact us as soon as possible.

Myth 7: Benefits Are Calculated the Same for Everyone

A common misconception is that SSD benefits are calculated uniformly for everyone. In reality, the amount received depends on one’s earnings history and the amount paid into the Social Security system over time. This means that benefits vary significantly among recipients. The SSA uses a specific formula to calculate the Primary Insurance Amount (PIA), which determines your benefit amount.

Myth 8: You Can’t Receive SSD While Receiving Other Benefits

Many believe that receiving SSD benefits disqualifies you from obtaining other types of benefits. However, it’s possible to receive SSD benefits along with other government assistance, such as Supplemental Security Income (SSI), depending on your eligibility. Additionally, SSD benefits may affect the amount received from other programs, so it’s important to understand the interaction between different benefits and consult with an expert if necessary.

According to a recent report from SSA, over 2.5 million individuals receive concurrent benefits from SSD and SSI (SSA, 2023). SSD benefits are provided based on a person’s work credits, while SSI benefits are needs-based and designed to help those with limited income and resources. This means that individuals who qualify for both can receive a combined benefit package—though the total sum may be adjusted to comply with program-specific regulations and limits.

Am I Qualified for Disability Benefits?

If you want to know whether you are eligible for disability benefits, here’s a quick list of the eligibility criteria:

• You have worked in jobs covered by Social Security. This means you have also paid Social Security payroll taxes during your employment.
• You meet SSA’s strict definition of being “disabled.” Your condition has lasted or is expected to last at least one year or is expected to result in death. 
• You can prove that your condition is severe enough to prevent you from performing any type of job.
• You meet the sufficient work credits set by the Social Security Administration. This is calculated by the Administration itself.

What Are the Range of Disabilities Covered by SSD?

• Mental Health Disorders. Conditions such as depression, anxiety, and bipolar disorder may qualify for benefits if they severely impair an individual’s ability to work.
• Orthopedic Injuries. Severe musculoskeletal issues, including spinal disorders or severe arthritis, can qualify if they significantly limit mobility and work capacity.
• Respiratory Illnesses. Chronic conditions like Chronic Obstructive Pulmonary Disease (COPD) or asthma, which hinder breathing and physical activity, may meet the criteria for SSD benefits.
• Cardiovascular Issues. Heart conditions such as chronic heart failure or coronary artery disease can qualify if they substantially reduce physical activity or life expectancy.
• Neurological Disorders. Conditions such as epilepsy, multiple sclerosis, and Parkinson’s disease may qualify if they impact speech, coordination, or the ability to work effectively.

This list is not exhaustive. Other conditions, such as certain cancers, autoimmune diseases, and liver and kidney disorders, may also qualify. SSA continually recognizes a broadening range of impairments. If you have a condition—any condition—that you believe is preventing you from working, reach out to us. We can help determine if it qualifies for SSD benefits.

Tips to Increase Your Chances of a Successful SSD Application

• Hire us to be your advocates. Our representatives can guide you through the complex application process, reduce errors, and improve your chances of success. We can help you avoid potential pitfalls and prepare a compelling application backed by expert legal advice.
• Submit Comprehensive Medical Records. Make sure all your relevant medical records are up-to-date and document how your disability affects daily living and work capability.
• Gather Strong Personal Statements. Detailed statements from you and those who know your daily challenges can provide compelling insights into your disability’s impact. This can be useful for the SSA when considering your maximum benefits eligibility.
• Follow Medical Advice. Listen to your physician’s recommended treatment plan. This can strengthen your application’s credibility and demonstrate that you are trying to improve your health, which can reinforce your case for seeking disability benefits.
• Be Thorough and Honest. Comprehensive and truthful application is important. Describe how your disability affects your everyday activities and ability to work. This should support the factual medical evidence you’ve provided.

Why You Should Hire Binder and Binder

Simplified Application Process

The SSD application process is a maze of rules and paperwork that can feel overwhelming. Our representatives know this maze like the back of their hand. We have been handling disability claims for nearly half a century, so we can guide you step-by-step and explain the complicated legal terms and procedures in simple terms so you can confidently navigate this process.

Expertise in Evidence Gathering

The proof is everything in an SSD case. Our advocates know what decision-makers would look for in your evidence. They can skillfully gather and organize the necessary medical documents, work history, and personal testimonies to strengthen your case and make sure it meets the SSA’s criteria.

Maximized Chances of Approval

Every applicant is worried about receiving the dreaded denial letter. But our advocates are well-versed in current policies and can expertly present your case to the Social Security Administration. We use our experience to highlight the strengths of your application, bridging gaps and making sure nothing is overlooked. Our goal is to increase the chances of your case being approved, be it an initial application or during the appeals process, so you can receive your rightful monthly benefits as soon as possible.

Peace of Mind

Handling a disability claim involves many steps that can be very overwhelming. Our advocates will take the burden off your shoulders, dealing with the paperwork, the phone calls, and all those complicated details. You get to breathe a sigh of relief and concentrate on getting better while we do the heavy lifting of the application process.

Take the Hassle Out of SSDI Application with Binder & Binder’s Expertise!

The application process can be complex but knowing what to expect and relying on experienced advice can significantly improve your odds. Don’t be misled by the myths you might hear; instead, focus on preparing a solid case that truly represents your situation. Stay honest in your documentation, and don’t hesitate to contact us. With determination and the right approach, navigating the SSD application can be more manageable.

Remember, if the path seems challenging, Binder & Binder® is ready to provide the support and expertise you need. With our extensive experience since 1975, we know all the ins and outs of SSD applications and can guide you every step of the way. We can take the stress off your shoulders by handling everything from start to finish and giving your case the best chance of success.

Let Binder & Binder® make your SSD journey smooth sailing. Contact our team today for your free SSD evaluation!