Myths about Permanent Disability Benefits
- Posted on: Dec 30 2019
There are a lot of different myths and misconceptions about disability benefits, especially permanent disability. If you’ve been injured or have an illness that makes it difficult or impossible for you to work regularly, you need to consider applying for permanent disability. However, you want to make certain you understand the myths around it and educate yourself about the process and what permanent disability benefits mean.
Myth: You Can’t Work with Benefits
Many people believe you can’t work at all while applying for disability or receiving benefits. That’s not the case. In fact, there’s a monthly limit to the amount of money you can earn from work while on disability. You can also earn money from investments and interest you make on investments. If you’re married, your there’s no limit on how much money your spouse can make.
Myth: Everyone Who Applies is Denied the First Time
Most people have heard that they will be denied benefits the first time they apply. While it’s true that many people who do apply are denied at first, but if you fill out all of the necessary paperwork and have all of the required documentation, you can certainly be approved for your benefits right away.
Myth: Young People Can’t get Permanent Disability
Another misconception people have about disability is that it’s only available to older people. They believe that if they’re not near retirement age, they can’t get benefits. That’s not true at all. You actually become eligible to receive disability when you turn 18, but the amount you receive depends on how much you’ve paid into social security. Older people will usually be eligible for more monthly benefits than young people, which is likely the basis of this myth.
Your Benefits Will Fully Replace Your Income
Sadly, this is a myth. Your benefits are calculated based off of your lifetime average wage. That means if you’ve had a low paying job for much of your life, but had a higher paying job for the last two years, your benefits won’t match that higher salary.
Need Help Applying?
If you need assistance applying for permanent disability, the experts at Maximum Orthopedics can help. Contact us today to discuss your case.