Disability benefits can be among the most important types of support for individuals with conditions that could make it impossible to work enough to support themselves. In this blog post, gain an accurate understanding of using these benefits, and don't believe these disability myths.
Myth: Disability Benefits Are Only for Those With Permanent Disabilities
An assumption that can discourage individuals from seeking disability benefits can be the belief that these are only for those that have suffered permanent disabilities. In reality, there are different types of disability benefits that individuals may be able to utilize. For example, some individuals may suffer from disabilities that are expected to heal over time, and these individuals may be best served by seeking short-term disability benefits.
Myth: Disability Benefits Only Come From the Government
Social Security Disability is the single largest program that is designed for those who have lost the ability to work to support themselves. However, this is not the only potential form of disability benefits that individuals may be able to utilize. One common example of additional benefits can be from private insurance policies and workers' compensation. Many of these policies will have some degree of coverage for instances where a person has become disabled as a result of disease or injury.
Myth: Everyone Will Receive the Same Amount for Social Security Disability Benefits
For individuals who are able to qualify for Social Security Disability benefits, it is easy to assume that everyone in the program will receive the same amount of compensation for their benefits. However, the benefits that a person receives from this program will mostly be determined by the average earnings and contributions to Social Security. Due to this reality, there may be substantial differences between the benefits that individuals in the program receive. Because of this, don't assume what you could receive is based on the results of the people that you know that are in this program.
Myth: You Can Receive Disability Benefits If You Have Not Worked or Contributed To Social Security
To be eligible to apply for Social Security Disability benefits or private disability benefits, a person will need to have contributed at least the minimum amount to these programs. Unfortunately, individuals who have not worked recently or who have not paid this part of their taxes may not qualify to apply for these programs without first settling the tax debt or obtaining a waiver.
For more information, please speak to companies like Longo Laywers.