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Social Security Disability Evaluation

SSI and SSDI Myths

You may have heard good and bad news when it comes to Social Security Disability Insurance (SSDI). If you aren’t informed about the ins and outs of Social Security Disability Insurance, you could be missing out on receiving benefits. We have developed a list of some of the most common myths associated with Social Security benefits.

Myth: I won’t be allowed to work if I receive benefits

False. You may be entitled to work and earn income, up to a specified amount, and receive benefits. Social Security Disability Insurance (SSDI) allows most people to work and earn some each month and keep their benefits.  However, if you earn over a specified amount or lose your disabled status, you may no longer be eligible to receive benefits.  Supplemental Security Income (SSI) allows for recipients to earn an income up to 1.5 times the benefit amount per month.

Those receiving either type of benefit and are considering transitioning back into the workforce, are eligible to receive “workforce incentives” provided by the Social Security Administration. These incentives will continue your monthly benefit for several months to help ease the transition back into the workforce. This way you won’t have to worry about having your benefits terminated the minute you are ready to return to work.

Myth: I must be over a certain age to qualify for benefits

False. SSI is available for those over the age of 65. However, they are also available for adults that are blind or disabled and are significantly financially limited. Although these benefits are reserved for those over 65, blind or disabled, children under the age of 18 may qualify for SSI benefits if they meet income and resource requirements. For those that don’t qualify for SSI benefits, they may be able to qualify for SSDI benefits. SSDI benefits are not limited by age, but depend more on the nature of the person’s disability.  Children and adults may qualify for SSDI benefits depending on their medical condition and ability to work.

Myth: I don’t have a condition that automatically qualifies for disability benefits.

False. There are no conditions that “automatically” qualify for benefits. In fact, there are many conditions that may be approved for benefits that you may not find listed or printed elsewhere. Eligibility to receive benefits is determined based on specified criteria, but that does not automatically exclude one illness or condition. The best way to find out is to apply with the help of one of our attorneys.

Myth: I have been denied benefits before, so I won’t be able to get benefits now

False. In fact, the majority of applicants are denied one or more times before receiving an approval.  Although some may be have been successful obtaining their benefits, being denied benefits is all too common. The process is a tedious task that is full of paperwork and procedural requirements. Don’t waste time filling out paperwork only to be denied, we can help you take full advantage of your chances of having your application approved.

Myth: I am entitled to benefits because I can no longer work

False. Many people suffer illness, injury or medical conditions that prevent them from working. Unfortunately, not everyone suffering unexpected events is afforded benefits. There are several qualifications for both SSI and SSDI benefits that exclude some individuals from eligibility.  For SSDI benefits, you must have worked and contributed enough FICA taxes in order to qualify. For SSI benefits, you must meet age/condition criteria and income/resource restriction requirements in order to be eligible for benefits.  But before you get discouraged, contact us for a no-obligation evaluation! We can help you find out more about eligibility requirements and to see if you might be able to qualify.