Common Social Security Disability Myths

10 Misconceptions About Social Security Disability Insurance

Social Security Disability Insurance (SSDI) is a federal Social Security program offering monthly benefits to people who are unable to work due to serious medical conditions. While eligibility is rooted in work history and medical severity, the path to benefits is riddled with myths and misunderstandings.

This article clarifies the truth behind common myths about Social Security and why knowing them matters to your claim.

Myth 1: The Application Process Is Easy

Reality: Not quite. The SSDI application process is often complex, requiring detailed medical records, work history, and other documentation. Initial denial rates are high, often due to application errors, incomplete filings, or insufficient evidence. That’s why legal guidance from a disability attorney is essential to build a strong claim.

Myth 2: SSDI Is the Same as Unemployment Benefits

Reality: SSDI supports individuals who are unable to work (for at least 12 months) due to medical impairments. Unemployment benefits, in contrast, are for short-term job loss, with no disability requirement.

Myth 3: You Must Be Completely Disabled to Qualify for SSDI

Reality: SSDI eligibility is based on meeting Social Security Administration (SSA) criteria. This includes:

• You must be unable to engage in Substantial Gainful Activity (SGA)
• Your disability must be expected to last at least 1 year or result in death
• You must meet strict medical eligibility requirements to prove you have a qualifying condition

You may qualify even if able to do some part-time work, as long as your impairment(s) significantly limit your ability to work consistently.

Myth 4: Young People Cannot Receive SSDI Benefits

Reality: Anyone with sufficient work credits and a qualifying disability, regardless of age, can apply. Age is not a barrier as long as your condition meets the SSA’s disability standards.

Myth 5: SSDI Benefits Replace All Your Lost Income

Reality: SSDI provides partial income replacement based on past earnings. It doesn’t fully replace your prior income but aims to meet essential needs.

Myth 6: You Cannot Appeal a Denied Claim

Reality: The SSA offers multiple levels of appeal for denied claims, including reconsideration and hearings before an Administrative Law Judge (ALJ). Many claims that were initially denied are approved on appeal.

Myth 7: If I Work, I Will Lose Benefits or Health Coverage

Reality: Not necessarily. The SSA offers various work incentives and protections for claimants who wish to return to work eventually:

• You can work below the SGA threshold without losing benefits.
• You may join the Ticket to Work Program. Under this program, you can undergo a Trial Work Period (TWP). During this period, you can work for at least 9 months and keep SSDI benefits, no matter your earnings.
• You are still entitled to hospital and medical insurance after you return to work. This includes the 9-month TWP and 93 months of extended Medicare coverage, as long as you still have a disability according to Social Security, even if you’re no longer receiving benefits.

Even if SSDI benefits stop, you may be eligible for Expedited Reinstatement (EXR) within 5 years. You may also receive temporary payments while the SSA reviews your case before you get reinstated coverage for your condition.

Myth 8: If My Doctor Says I’m Disabled, I’ll Automatically Be Approved for Benefits

Reality: The SSA, not your doctor, makes the final decision on whether you receive SSDI. While having a medical opinion to back up your claim is crucial, your claim must prove your condition meets the SSA’s criteria through documentation and evidence.

Myth 9: It’s Better to Submit a New Claim Than Appeal a Denial

Reality: This is often counterproductive. Appeals preserve your timeline and continuity in the system, while a new disability claim restarts the process and delays outcomes.

Myth 10: Mental Health Conditions Don’t Qualify for SSDI

Reality: Mental health disorders, including depression, PTSD, OCD, and others, are legitimate conditions and can meet the SSA’s qualifying criteria. Therefore, they can qualify for benefits.

Contact Our Social Security Disability Law Firm

Social Security myths about disability benefit eligibility, work, appeals, and coverage can create unnecessary fear and obstacles. Understanding the facts about SSDI empowers applicants to take informed, confident action toward securing the benefits they deserve.

If you’re ready to apply for SSDI or have received a claim denial, our experienced disability attorneys at Leventhal, Sutton & Gornstein are here to help. Contact us today to schedule a free initial consultation. Our Social Security Disability lawyers have represented thousands of clients over five decades.