If you’re hurt and unable to work, then your best solution for supporting yourself and your family is applying for Social Security Disability Insurance (SSDI). While SSDI is certainly a well-known program, it is also extremely complex, leading to a variety of misconceptions about how the program works and the right way to receive benefits.
Before you apply for SSDI, it’s best to learn about some of these misconceptions so that you’re prepared for the applications. Here are a few of the most common misconceptions about Social Security that you should know when you’re thinking about applying for SSDI benefits.
Getting Benefits Takes at Least Two Years
Thousands of people apply for Social Security benefits every single year, which has created quite a backlog of applications. This has also resulted in a very big misconception about Social Security. Namely, that it will take you at least two years to get through the application process.
The truth about this widely circulated two-year idea is that this will usually only occur if your initial application is denied. If your first application is approved, then the amount of time needed to get through a hearing will be much shorter.
Everyone is Denied Once
When applying for SSDI, it can be very difficult to receive a denial of benefits. While denied applications are common, there is no truth to the misconception that everyone applying for Social Security will be denied their benefits at least once.
The Social Security system is very complex, meaning everyone’s application process is different. Your likelihood of being denied your benefits is based on your individual circumstances, not some arbitrary rule that forces everyone to deal with a denial. If your claim is based on a physical problem, your benefits will mostly be determined by your age. For those applying due to a mental impairment, the ability to retain some kind of work is usually the deciding factor.
Everyone Receives Benefits
One of the most troubling misconceptions about Social Security is that everyone will eventually receive benefits. Unfortunately, this simply isn’t the case. In some SSA courts, for instance, 40% of applicants may never receive their benefits no matter how many times they apply, leaving them in a precarious financial situation.
When you begin the application process, you should know that there is a good chance that you will never receive benefits. However, if you believe you’re are being unjustly denied, you should consult with a Social Security attorney.
Another misconception related to Social Security is that a doctor is required to determine the severity of your injury before you will receive benefits. While you should absolutely be examined by a doctor after a severe injury, the doctor’s determination will likely not have an impact on whether or not your application is approved. Concrete evidence, such as scans and x-rays, have much more weight than a doctor’s opinion when it comes to a Social Security hearing.
Consult with an Attorney
After clearing up a few of the misconceptions about Social Security, you should be ready to more effectively deal with the application process. If you’re having trouble receiving the benefits that you deserve, then you need to work with the team at the Law Offices of Dr. Bill LaTour.
Dr. Bill LaTour and his staff understand the complexities of Social Security and can help you work towards your needed benefits. Contact us today.