When searching for tips on applying for social security disability insurance (SSDI), you may encounter misleading claims. These myths, while they seem true, can put you at risk. Believing them could stop you from getting the support you need or cause you to make mistakes on your application.
Here are five common misconceptions about SSDI applications and why you should not fall for them:
Myth 1: Only physical disabilities qualify for SSDI benefits
SSDI assists individuals who have impairments that limit their ability to work. However, some people claim that only those with physical disabilities can qualify for this benefit, but this is untrue.
The Social Security Administration (SSA) has an official blue book that contains a list of qualifying disabilities. It includes, but is not limited to, mental, physical, cardiovascular and respiratory disorders.
Before you apply for SSDI, consider reading the blue book to see if you are eligible.
Myth 2: SSA denies all applicants
You may feel discouraged from applying for SSDI after hearing that the SSA denies everyone. While denial rates are high, you still have a chance to collect benefits.
According to the Ohio Social Security statistics, the SSA denies almost 70% initial applicants. This is due to their strict approval process that ensures the right candidates receive the benefits.
Myth 3: Medical evidence is not a requirement
Although certain online sources and forums might say that you do not need medical evidence to support your claim, that information is incorrect. Providing medical records that prove your impairment is one of the core requirements of the SSDI application. Without these, the SSA may deny your request immediately.
Myth 4: You cannot apply again after a denied claim
You have the right to ask the SSA to reevaluate its denial of your application. There are four different types of appeals you may pursue: request reconsideration, file federal district court action, appeal for a review and seek a hearing with a judge.
Although the SSDI application process is challenging, there is still a chance to receive an approval notice if you are ever denied. To gain in-depth guidance on the matter, consider seeking advice from an experienced attorney who specializes in SSDI cases.