Many people in New Jersey are misinformed about SSDI benefits. Some people don’t recognize SSDI’s importance and value while others don’t know how to make the most of it even though they qualify. Here are the three top ways you might be wrong about SSDI benefits.
Myth: Everyone is denied a claim the first time they apply
The truth is that it isn’t easy to get approved for Social Security Disability Insurance benefits, but it’s certainly not impossible. This myth stems from the fact that over 70% of first-time applicants are denied SSDI benefits during the initial stage. That number is high because many people make mistakes during the application process or provide insufficient documentation to give them a better chance of approval.
Myth: Submitting a new application is better than appealing a denial
If the Social Security Administration denies you SSDI benefits, you may be tempted to submit a new application. However, this is generally not the best course of action. The appeals process is designed to give you a chance to have your case reconsidered, and it’s often more successful than submitting a new application.
Myth: People only apply for SSDI for monetary reasons only
While the monthly cash benefit is undoubtedly a significant part of the SSDI program, it’s not the only reason to apply. For many people, the ability to get health insurance through Medicare is just as important, if not more so. If you are approved for SSDI benefits, you will automatically be enrolled in Medicare after 24 months. This can be a lifesaver for people with expensive medical conditions or disabilities that make it difficult to obtain private health insurance.
SSDI is a very helpful government program that everyone eligible should get and take full advantage of. You may want to do more research and consult with the relevant people to understand its importance.