This blog recently discussed what Social Security disability benefits are as it is also helpful to dispel myths about Social Security disability benefits. When it comes to Social Security disability or SSD benefits, it is important to separate myth from fact. The application process for SSD benefits can be challenging, so it is useful to have accurate information and thorough knowledge concerning the application process and how to qualify for SSD benefits.
For disabled individuals who are severely impaired by a physical or mental health condition that prevents them from working and have paid into the SSD program while working as an adult, SSD benefits provide financial protections that are important to understand. SSD benefits are designed to help disabled individuals with everyday costs. The average SSD monthly disability payment at the beginning of 2015 was $1,165.
Although many initial applications for SSD benefits are denied, 33 percent were approved in 2013. In addition, if the claim is denied, the SSD process includes several levels of appeals to pursue the claim for benefits. Social Security disability requirements for eligibility include that the disabled individual must suffer from a medical condition that prevents them from working and is expected to last 12 months or longer or result in death. If the applicant’s condition is expected to improve, their eligibility will be periodically reviewed, though the benefits can be permanent in some situations.
In addition, for applicants attempting to return to work, a trial period may be permitted during which they will continue to receive benefits. The chance of becoming disabled is higher than many people think, as 1 in 4 20-year olds insured through SSD will become disabled prior to retirement age.
The application for disability includes a requirement for medical records and it is helpful to be thoroughly familiar with the application process which can help expedite a claim for benefits. Disability benefits do not begin immediately so it is also important for disabled individuals who are considering applying and believe they may qualify to promptly apply for benefits.
Source: EverydayHealth.com, “10 Myths and Facts About Social Security Disability Insurance,” Kathleen Doheny, Aug. 28, 2015
Gayle Gerling Pettinga
Born and raised in Evansville, Gayle is a respected, experienced lawyer and a valued community leader. She graduated near the top of her class at Indiana University’s prestigious Maurer School of Law. She’s practiced law with one of the largest firms in Indianapolis as well as one of the largest pharmaceutical companies in the world. And that means she knows how big law firms and big companies think and how they operate – and she will put that knowledge to work for you.
Gayle has received numerous awards and honors including Martindale-Hubbell — Peer Review Rated: AV®, American Institute of Personal Injury Attorneys 10 Best Attorneys in Indiana for Exceptional and Outstanding Client Service, and YWCA Evansville 100 Years, 100 Women Honoree, 2011.
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