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Myths About Social Security Disability: Part Two

This month we are focusing on Social Security Disability and some of the common misconceptions that you might hear about filing for benefits from your friends, neighbors, and family members. In this series, we want to dispel these myths and inform our readers on the (sometimes hard) truths about successfully receiving Social Security Disability benefits.

Myth Four: You can't both work and apply for Social Security Disability benefits. This myth is false. Those collecting Social Security cannot be involved in a Substantial Gainful Activity (SGA). However, if you work and make a certain low amount, that work does not count as an SGA. The rates for SGA amounts change from year to year. In 2008, you cannot make more than $940 a month and still collect benefits. If you are blind, the amount is $1,570.

Myth Five: A note from your doctor proving your disability will guarantee you benefits. This is false. As we've said before, the application process is complex and multifaceted - nothing is guaranteed or automatic, and every case is different. A detailed, unbiased, and specific letter from your physician can be very helpful in your case, and, in some cases, be the deciding factor. However, the most important piece of evidence in your case will always be your complete medical history regarding your disability or condition. You should also note that letters from doctors are discouraged during the initial process and more likely to hold weight only during the appeal process.

Myth Six: Everyone's SSD application is denied the first time. This is false. Although a large majority of applications are denied initially - the statistic hovers around a staggering 70 percent - about a third of applications are approved. Why? They are very, very specific about how one fills out an application, and even if you have a real reason to receive benefits, you need to follow the rules and provide a solid body of evidence. They best way to get approved the first time around is to have a professional who is familiar with the system to help you navigate the process. It is also important to note that you should not try to apply a second time after you are denied - instead, file an appeal to your first denial with the help of an experienced attorney.

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