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