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There is no doubt about that there are rumors abound in the world of Social Security Disability benefits. There are plenty of myths being circulated from who can and cannot receive benefits to how long it takes to receive a check. How can you tell fact from fiction? If you want to truly understand Social Security Disability benefits, you need to know the truth behind the top Social Security Disability myths. Here are the top five myths that people often buy into.

Many people who receive Social Security Disability benefits wonder if it is possible to own their own home, or if they will be stuck renting for the rest of their lives. There are many preconceived notions about people who receive Social Security Disability being unable to qualify for a mortgage. They fear that they do not have enough income or that the fact that they are on disability and not employed will get in the way of qualifying for a mortgage loan. This isn't necessarily the case.

There are whisperings and rumors that the Social Security system is going to go bankrupt in 2010. Is this true? Is Social Security really at risk? And if it is, what is going to happen to Social Security Disability benefits? Before you panic and assume that your monthly Social Security Disability benefits are going to stop coming, there are some things you need to know.

When people think about Social Security Disability, they often imagine people who are unable to work due to physical limitations or permanent injuries. Many people do not understand that mental disorders are also a type of disability. The question is, do those who suffer from mental illness have the right to collect Social Security Disability? The answers to this question are not always straightforward, and those who can't work due to mental illness often are not aware of their rights.

When living on Social Security Disability, making ends meet can be a challenge, to say the least. Covering your living expenses with your disability payments can sometimes be challenging. Fortunately, there are some things you can do to alleviate some of the financial burden and make your Social Security Disability benefits stretch further.

Hiring a Social Security disability attorney is the most important step when preparing to apply for disability benefits. With their skills and qualification, they can help you through the whole process, from:

You will probably have lived with your disability for awhile before you apply for Social Security disability benefits, and you will understand very well the impact your condition has on your daily life. Because you have been seeing doctors and having tests and taking medication and undergoing treatments for weeks or months, your doctors also have a good idea of the effect of your disabling condition on your ability to function.

If you become so severely disabled that you can no longer work and if you are granted Social Security disability benefits, you may wonder if you have to do anything to keep those benefits. The general rule of thumb is that if you remain disabled to the point you cannot work, you are entitled to disability benefits until you reach retirement age. Your benefits will not stop coming at retirement age. Instead, you will no longer receive “disability” benefits but rather “retirement” benefits. The name changes, but the benefits do not.

Under political attack as a black hole in the budget, the Social Security Administration (SSA) is working hard to improve its image. Acknowledging the long wait disabled people must put up with, the SSA is opening new offices and hiring more case evaluators. That’s wonderful news for those who are seeking a hearing.

It has never been easy to be approved for Social Security disability benefits. The disability application process is complicated and cumbersome, and the lag time between filing a claim and being granted or denied disability benefits is notoriously long. In the current economy, where more and more people are losing their jobs and their health benefits, the process can be even more difficult.