SSDI - What are the Pros and Cons of disability benefits?If you are applying for Social Security Disability Insurance (SSDI) you should be so severely disabled that you do not have the capability to work any type of job or perform what the Social Security Administration considers substantial gainful activity. What this means is that getting SSDI is the VERY last resort for you to survive. Put another way, if you have a choice and are considering the pros and cons it could mean you are still able to work. With that said, there are pros and cons for getting SSDI and this blog will address them.
Pros getting SSDI benefits
The biggest benefit of getting SSDI benefits is that you will get a monthly cash payment that you can use to provide for your daily necessities. If you are unable to work than SSDI may be the only way you have to provide food, shelter and clothing for your family.
Another benefit of Social Security Disability Insurance (SSDI) is that you will get Medicare 24 months from the date of your disability. Medicare will provide medical insurance for you, which means you will be able to get the proper medical assistance you need, including medication, for your health condition. For many SSDI applicants the medical insurance portion of the SSDI benefit may be the most important. Many disability applicants may never have had health insurance when they were working and this might be the first time they will have adequate medical care.
Cons of getting SSDI
Like I said before, if you are applying for SSDI you should be to the point where you can no longer work and the cons will probably be irrelevant, but there are some negatives for getting SSDI. The most common issue is that many people feel guilty about taking advantage of the system. Others want to work part-time but cant because it could jeopardize their SSDI benefits (you may be able to work VERY part-time but talk to the SSA before you do).
Disability applicants who are in pain and are unable to work also complain about feeling unproductive, and depressed, but this most likely has less to do with the fact they are getting SSDI and more about living with a disabling health condition which limits their activities.
Additionally, parents often talk about the stigma that a child may face if they are receiving SSI benefits. Labeling a child as disabled may not always be beneficial for that child, although getting medical care may outweigh this concern for most parents.
Getting SSDI benefits
Filing for disability and actually getting approved can be very difficult. Not everyone is approved and SSDI claimants who think they have to simply apply and wait a couple of weeks for a check to arrive in their mail box will be very disappointed. Most applicants are denied and if you are approved it is likely you will have to wait months, not days or weeks, to get your first SSDI disability check.