Clarifying Misconceptions About SSDI

Clarifying Misconceptions About SSDI

Many people assume that SSDI is a payment that is given to lazy individuals in America who decide that they don't want to get jobs. Nothing could be further from the truth. In fact, everyone who receives SSDI must have worked at least five of the past 10 years before filing. IN addition to this, the money that an SSDI recipient is granted each month is based on how much they received when they were working.

This means that a person with a higher salary before disability may be able to get more money because of their former earning potential. SSDI is reserved for those that are afflicted with a disease or disability which is listed by the SSA as an approved malady or disability. These recipients can no longer work because of their diagnosis or because of a tragic accident that has debilitated them. Some recipients have mental disabilities, while others have become physically incapacitated.

SSDI is granted to people with all sorts of medical complications, from blindness to a limb amputation to cancer. All people who are on SSDI must be approved after an application process and need to supply doctor's notes which show that they are unable to work. Once a person has been approved for SSDI, he or she will need to undergo a recertification process every few years to show that he or she is still in the same physical or mental condition and still isn't capable of holding a job. As well, only about 41% of all applicants for SSDI get approved the first time around.

Even after approval, applicants will need to wait six months before they will be granted their first check. They cannot have any type of employment or earned income while on the waiting list. The six month waiting period with no income is reimbursed when the SSA begins paying the recipient as a back payment. If you want more information about SSDI, then you will want to talk to an attorney the firm. About 8 million Americans currently rely on SSDI for their financial stability. Talk to an SSDI attorney today to make sure that you are receiving the payments you need if you are eligible.