subject: Top 6 Social Security Disability Myths [print this page] Myths related to disability insurance are pretty common. This is mainly because the apparent contrast between the outcomes of cases related to disability insurance. Many believe that one will never get disability or that one has to apply a specific number of times in order to get it. Similarly there are various myths involving disability. Let's
debunk these myths one by one:
Lawyer Isn't Required
Well, the myth has some extent of truth as well. You can relate this thing to following example: you need a lawyer to file bankruptcy or divorce papers but not at the time of investment. However, expert guidance is very important and can be highly advantageous for you. Disability insurance lawyers, by the way, are not hard to find.
Chances Are Very Less
Considering the high number of rejection to Social Security Disability applications, speculations regarding the results are pretty obvious. The bitter fact is that majority of applications are rejected. But this doesn't mean you stop applying for a valid reason. The applications are not rejected by the authority just for the sake of rejection but mainly because the applicant failed to furnish adequate papers or clear proof of disability.
Many Times Rejection
Well, this is completely baseless myth. There's no clause of the Social Security Administration that contends that applications will be denied many times before approving. Yes, rejections are made but not as a point. It's pretty amazing a lot of people actually believe in this myth.
Certificate From Doctor Will Do
One thing you should keep in mind that you just cannot claim disability insurance just because your personal physician said you are disabled and need monetary assistance. Social security disability verdicts are based on medical certificate provided by your doctor. But the authorities take your medical history and verification from a doctor selected by them into account. So, a letter from your doctor is not only you need.
Drug/Alcohol Affectees Can't Apply
There is no such clause that says that if you are disabled due to drugs or alcohol, your application will not be considered. Some even think that those who ever consumed drugs and alcohols will be rejected. If this was true, majority of population will be denied disability benefits. Drugs and alcohol cases are pretty different and handled in a different manner.
No Appeal After Rejection
Once you are denied the benefits, you cannot appeal again. Well this is not true. You can and should appeal again by hiring a better lawyer, filling the application properly and furnishing required medical proof.
