Common Myths About Social Security Disability Benefits
Clearing Up Misconceptions to Simplify Your SSDI Journey
Did you know nearly 68 million Americans currently receive Social Security benefits, totaling around $1.5 trillion each year? Despite these numbers, misinformation about Social Security Disability (SSD) still makes applying confusing and intimidating for many people. Myths and misconceptions can discourage qualified applicants from pursuing the support they deserve—making an already challenging process feel impossible.
At Binder & Binder®, we’re here to clear away that confusion. Below, we separate fact from fiction, debunking common myths about SSD benefits so you can apply with confidence.
What is Social Security Disability Insurance (SSDI)?
Social Security Disability Insurance, or SSDI, is a federal program designed to provide financial support to people who are unable to work due to significant medical conditions expected to last at least a year or result in death. Funded through payroll taxes, SSDI supports recipients by helping them meet essential living expenses during periods of disability.
Debunking the Most Common Myths About SSDI
Myth 1: SSDI Benefits Are Only for Permanent Disabilities
Fact: SSDI benefits are available not only for permanent disabilities but for any severe medical condition expected to last at least 12 months or result in death. You don’t have to prove permanency—only that your condition substantially limits your ability to work over an extended period. Even temporary but severe conditions that meet the one-year threshold can qualify.
Myth 2: You Can Only Apply Once
Fact: You can absolutely apply more than once. If your claim is denied initially or your medical condition worsens, you can reapply with additional evidence. At Binder & Binder®, we frequently help clients reapply and successfully appeal wrongful denials, preserving their eligibility for benefits throughout the process.
Myth 3: Most Claims Are Denied and Not Worth the Effort
Fact: While initial claim approvals hover around 20-23%, and roughly 67% of claims are initially denied, these figures don’t reflect the full picture. Many cases succeed on appeal, especially when thoroughly prepared and supported by experienced advocates. Denials often occur because of incomplete or insufficient evidence, not necessarily because applicants are ineligible. With proper assistance, you can significantly improve your chances of approval.
Myth 4: Part-Time Work Automatically Disqualifies You
Fact: Engaging in part-time work does not automatically prevent you from receiving SSD benefits. The Social Security Administration (SSA) considers your earnings level against the standard of “Substantial Gainful Activity” (SGA). In 2024, SGA limits are $1,550 monthly for non-blind individuals and $2,590 for blind individuals. If your earnings remain below these thresholds, part-time work won’t disqualify you.
Myth 5: Only Physical Disabilities Qualify for Benefits
Fact: SSD benefits aren’t limited to physical disabilities alone. Mental health conditions, such as depression, anxiety disorders, bipolar disorder, PTSD, and other psychological impairments, are recognized by the SSA and frequently qualify individuals for benefits. It’s essential to clearly document how these conditions impact your daily activities and ability to work.
Myth 6: The SSDI Application Process Is Fast and Easy
Fact: The SSDI application process is typically neither fast nor easy. The initial application usually takes between 3 to 5 months, with appeals extending this significantly. If your initial claim is denied, reconsideration can take another 3-6 months, and hearings before a judge can mean waiting a year or more. Having professional representation can simplify this lengthy process, reduce stress, and improve your chances of a favorable outcome.
Myth 7: SSDI Benefits Are Calculated the Same for Everyone
Fact: SSD benefits are personalized and vary greatly from person to person. The amount you receive depends on your unique earnings history and the amount you’ve paid into the Social Security system. The SSA calculates benefits individually, making each person’s monthly payments specific to their circumstances.
Myth 8: Receiving SSDI Disqualifies You From Other Benefits
Fact: You can indeed receive SSDI along with other forms of assistance, such as Supplemental Security Income (SSI). In fact, over 2.5 million Americans receive both SSDI and SSI simultaneously. While there are regulations governing how these programs interact, eligibility for multiple benefits is common and can significantly help manage financial burdens.
Do You Qualify for SSDI Benefits?
Here’s a quick overview of SSD eligibility criteria:
You have worked in jobs covered by Social Security and paid payroll taxes.
You have a severe medical condition expected to last at least one year or result in death.
Your disability prevents you from performing substantial work.
You have accumulated sufficient work credits as determined by the SSA.
What Disabilities Are Covered by SSDI?
The SSA covers a wide variety of conditions, including but not limited to:
Mental Health Disorders: Depression, anxiety, bipolar disorder, PTSD.
Orthopedic Issues: Severe arthritis, spinal disorders, musculoskeletal injuries.
Respiratory Conditions: COPD, asthma, chronic lung diseases.
Cardiovascular Diseases: Chronic heart failure, coronary artery disease.
Neurological Disorders: Epilepsy, multiple sclerosis, Parkinson’s disease.
This is not a complete list. Conditions like cancer, autoimmune disorders, liver and kidney diseases, and many others may also qualify. If your medical condition significantly limits your ability to work, we encourage you to contact us to determine your eligibility.
Tips to Improve Your Chances of SSD Approval
Hire Experienced Advocates: Professional representation from Binder & Binder® ensures your application is accurate, comprehensive, and compelling.
Submit Comprehensive Medical Evidence: Thorough, detailed medical records clearly demonstrating your limitations can greatly strengthen your application.
Gather Strong Personal Statements: Descriptions from yourself and those close to you about your daily challenges provide valuable insight to support your claim.
Follow Medical Advice: Demonstrating adherence to your doctor’s treatment recommendations shows SSA that you’re actively working to improve your health, supporting your credibility.
Be Honest and Thorough: Clearly explain how your disability affects daily living and employment, ensuring alignment with your medical documentation.
Why Choose Binder & Binder®?
Simplified Application Process
We have nearly 50 years of experience navigating SSD regulations. Our advocates guide you step-by-step through complex paperwork, clearly explaining each stage and requirement.
Expertise in Evidence Collection
Our team excels in obtaining and presenting the exact medical and vocational evidence that SSA decision-makers need to approve your claim.
Maximized Chances of Approval
With extensive experience in disability claims, we understand how to highlight the strengths of your case, helping avoid pitfalls and significantly boosting your chance of a favorable outcome.
Peace of Mind
The SSD application process can be stressful. Our advocates handle every detail—from paperwork to phone calls—allowing you to focus on your health and well-being while we manage your claim.
Let Binder & Binder® Guide You to SSDI Success
Applying for Social Security Disability benefits doesn’t have to be daunting. With the right guidance, the process becomes manageable and your chances of success improve significantly. At Binder & Binder®, we’ve been winning SSD cases since 1975, providing personalized advocacy to thousands of individuals just like you.
Don’t be misled by myths—rely on our expertise to guide your SSDI journey from start to finish.
Contact Binder & Binder® today for your free disability evaluation, and let our experienced team turn your application into success!
