Abingdon, Bristol and Johnson City
Social security disability insurance or SSDI is a government-backed programed designed for people who become disabled and are unable to work and care for themselves or their dependents by providing a monetary benefit to help you get by. Social security disability attorney in the Tri-Cities, Michael R. Munsey, would like you to know about these five common SSDI myths, and what you should to do go about collecting your benefits.
- SSDI is too complicated, so I’m not going to bother applying
Many people who truly may be qualified to receive benefits simply are turned off by their lack of understanding or the process itself. If you feel that you are eligible for benefits and that you are in fact permanently disabled and unable to work as you did before your accident, then you should find an attorney that is qualified to handle your case. Don’t miss out on the chance of getting thousands of dollars because you believe the process is too complicated.
- I can apply for benefits just because I have a note from the doctor stating I’m disabled
While getting your doctor’s opinion in writing will certainly help your case, the Disability Determination Services board will review your entire medical and work history, including any instances that lead up to or possibly caused your disability.
- Since I’m obviously disabled, I should get approved right away
While we wish this were the case, it usually isn’t. Most people who apply for benefits will need to wait about three to five months before receiving a decision from the review board. Plus, it may take another month or two before you receive your first check if you are approved. However, if you are denied benefits and have to go through the process of filing an appeal, you are looking at an even longer wait. It is best to file a claim as soon as possible to reduce your wait time before getting your first check. Also, you don’t want to wait past 17 months past your injury or the start of your disability because you could miss out on the chance to get back benefits.
- SSDI benefits probably isn’t going to be that much money
In 2018 alone, the average SSDI payment for a single person with no dependants was about $1,197. For those disabled and with one dependant, the average benefit was about $2,051. Add that up over the course of a year, or even a decade. While it may not replace your income cent for cent, it’s benefits that you may be eligible to receive, why let it go to waste if you do in fact qualify?
- Since my employer offers long-term disability, there’s no need for me to apply for SSDI
Keep in mind that even if you have a job that provides long-term disability insurance, you still could become injured and disabled as a result of something that was non-work related. Furthermore, many employer-based long-term disability programs require that injured or disabled employees also apply for SSDI. Also, your employers benefit may not pay out enough to cover your living expenses.
Social Security Disability Attorney in Kingsport
If you are disabled and unable to work, you should consult with an experienced legal team such as the Law Offices of Michael. R. Munsey, P.C. We are well-equipped and knowledgeable in handling these types of cases. To schedule your free consultation, please call our office at (276) 451-2056.
Representing the injured and disabled for more than 30 years, the Law Offices of Michael R. Munsey, PC, are proud to serve clients in Bristol, Kingsport and Johnson City, Tennessee, as well as Bristol, Virginia.