Unfortunately, there is a lot of misinformation out there about the Social Security Disability (SSD) program. If you don’t know the truth, you might be discouraged to apply, even if you have a strong case for qualifying.
Here are three common myths about SSD and the truth about them.
Myth #1: SSD is automatically for life
A lot of people think that once they’ve been approved for SSD benefits, they can count on those benefits for the rest of their lives. But the Social Security Administration (SSA) reviews every recipient’s case periodically — somewhere between every six months to seven years, depending on the disabling condition and whether the recipient is expected to recover eventually.
If the SSA ever reviews your case and determines that you have recovered enough to go back to work, your benefits could end.
Myth #2: It’s up to my doctor if I qualify or not
One of the major components of an SSD application is the information that’s compiled by the doctor who has examined and diagnosed your disability. They need to be a credible physician and must provide a detailed report about your condition and how it prevents you from earning an income.
The medical report provided by your doctor does not qualify you for SSD benefits on its own. That decision ultimately falls on the SSA, not your doctor.
Myth #3: If I get turned down, that’s the end of the road
You might have heard that the SSA rejects most applications they receive for disability insurance. However, they do have an extensive and robust appeals process available for those who are initially denied benefits.
Getting turned down on your first try is not a reason to give up on receiving the benefits you need to help make up for your lost income.