If you’re dealing with an illness or injury, you should know that Social Security Disability (SSD) is a valid form of income. No one should feel guilty about applying for disability through the Social Security Administration (SSA). Read about the most common myths surrounding Social Security and the truth about disability benefits.
MYTH: Social Security is a Government Handout
Many people hesitate to apply for Social Security disability benefits because they believe it is a government handout. Social Security is not a charity paid for by taxpayers. It’s actually an insurance program that happens to be government-administered.
If you have been working and paying taxes, you have been paying into this insurance program. If your doctor agrees that you cannot work full-time for a year or more because of a medical condition, you are likely a successful candidate for SSD benefits.
MYTH: You Need to Be Disabled for a Year Before you Can Qualify
Social Security Disability is only an option for people who expect to be out of work for at least 12 months, but this doesn’t mean you need to wait to apply.
In fact, our attorneys recommend you apply for disability benefits as soon as you become disabled. Unfortunately, the application process can be complicated, and submitting incorrect information can lead to delays in processing. With Rabin & Associates on your side, you’ll have the best chance of receiving a timely response from the SSA.
MYTH: You Cannot Lose Disability Benefits
Keep in mind that qualification for SSD benefits can and will expire if you do not apply in a timely manner. The expiration period is usually five years.
The longer you wait to apply for SSD benefits, the more back benefits you stand to lose. You could end up losing thousands of dollars of back benefits if you do not apply as soon as you know you are disabled or will be disabled for a year or more.
MYTH: Disability Benefits Take Away from Retirement Benefits
In reality, the opposite is true. If you are out of work for several years but do not apply for SSD, your retirement benefits may be reduced. However, if you are actively receiving SSD, your retirement benefits will remain protected.
MYTH: Hiring a Lawyer is Too Expensive
Our attorneys at Rabin & Associates work on a contingency fee basis. This ensures you won’t owe anything upfront. We do not charge an hourly rate. Instead, we agree on a percentage of your back benefits to claim when they are paid out.
These fees must be approved by the SSA and comply with SSA guidelines. We file our fee agreement with the SSA in every case to ensure no one is overcharged.
