Correcting Common Misconceptions About Disability Benefits

Many disabled Americans consider Social Securitys disability programs as their safety net

. However, there are some who are intimidated by the common misconceptions about claiming for disability insurance benefits.

A disabled California-based employee who sustains disabling medical condition may obtain SSAs disability benefits. The Administration offers two disability insurance programs:

Social Security Disability

SSD is a federal program that aims to compensate disabled citizens. The program provides financial benefits to a disabled individual depending on the amount of Social Security taxes he or she has paid from working.

Supplemental Security Income

SSI is a federal program that intends to aid people over the age of the 65 or disabled of any age. In order for a person to claim for SSI benefits, he or she must meet low income guidelines set by SSA.

Certain disabled workers who are intending to claim for either SSDI or SSI benefits are discouraged to file an application with SSA because of the misapprehensions related to disability insurance programs. The following are the common misconceptions regarding claiming for disability benefits:

1. SSA rejects all disability benefits claims this can be true if the claimant cannot prove that he or she deserve the benefit.

In order to obtain disability benefits, the claimant must establish that he or she is actually disabled and cannot perform substantial gainful activity. The applicant must also prove that his or her impairment is expected to last up to 12 months or may result in death.

2. When a claim is rejected, it cannot be appealed one of the common mistakes of SSDI or SSI applicant whose claims were rejected is that they fail to appeal.

A claimant together with his or her disability benefits attorney may file for an appeal for the rejected application. It is discouraged to file a new application because it will cost more time.

3. Doctors findings automatically ensure an applicants claim although the testimony of the claimants physician may help, it does not always provide assurance for the claim to be approved.

SSDI applicants must present proof that they were able to pay their Social Security taxes enough to acquire points that will help them qualify for disability benefits. SSI benefits, on the other hand, claimants must establish that they cannot produce adequate financial income to support their daily needs and medications.

A disabled worker who plans to file SSDI or SSI claim may consult with a disability benefits attorney to learn more on the proper procedures regarding the application.

by: ashleycasas

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