Common misconceptions about SSD

Social Security Disability provides a financial safety net for individuals with a disability preventing them from working for a year or more. Although most people understand the purpose of the program, there are many misconceptions.

Understand the truth behind some of the most common misconceptions so you can seek the financial support you need.

No waiting period applies

Many people believe that a year must pass from the date of the injury for them to qualify for disability benefits. This misconception formed from the Social Security Administration’s eligibility guideline requiring a disability duration of at least a year or terminal. That means your doctors expect that your condition will last for at least a year regardless of the time elapsed since the accident. If your diagnosis meets those qualifications, you can apply at any time.

SSD covers mental health conditions

Many people think of physical disabilities when thinking of SSD benefits. What you may not realize is that SSD also covers many mental and psychological disabilities as well. People with conditions such as bipolar depression, some anxiety disorders and autism may qualify for benefits.

Some first-time applications get approval

Another common SSD misconception is that the agency denies all first-time applications. The application process may feel overwhelming, and many first-time applications result in denial, but you can improve your chances if you work with an attorney who understands the process, gather as much documentation as possible and provide comprehensive details when you apply.

Facing changes in your life after a disability can be stressful enough. Understand these facts as you pursue SSD benefits for your condition.