ssdi application
By Michelle Shvarts
Principal Attorney

Applying for Social Security Disability Insurance (SSDI) benefits in Florida is a critical step in securing financial support when a disability prevents you from working. However, the application process can be complex, and making mistakes, especially when it comes to income and resources, can lead to delays or denials. Disability Advocates Group is here to guide you through the common pitfalls related to income and resources in SSDI applications and help you avoid them.

Understanding Income and Resources in SSDI Applications

Before delving into common mistakes, let’s clarify what income and resources mean in the context of SSDI applications:

  1. Income: This refers to any money you earn or receive, such as wages, self-employment income, or financial assistance from family or friends.
  2. Resources: Resources include assets you own, such as bank accounts, real estate, vehicles, and personal property.

Common Mistakes to Avoid

1. Underreporting Income

One of the most frequent mistakes applicants make is underreporting their income. Be thorough in listing all sources of income, including wages, self-employment income, pensions, and any financial assistance from family or friends. Failing to report all income can result in an inaccurate assessment of your eligibility and benefit amount.

2. Misunderstanding Unearned Income

Unearned income, such as interest, dividends, and rental income, should also be accurately reported. Some applicants mistakenly believe that unearned income doesn’t count, but it does factor into the determination of your financial eligibility for SSDI benefits.

3. Overlooking Non-Cash Benefits

Non-cash benefits, such as free housing or utilities, should also be disclosed. Even if you don’t receive money directly, the value of these benefits can affect your eligibility.

4. Not Considering Spousal Income

Spousal income can impact your SSI eligibility, particularly if you’re applying for Supplemental Security Income (SSI). SSI is a needs-based program that takes into account household income and resources, including your spouse’s income.

5. Ignoring Resources

Assets and resources, including savings accounts, investments, and property, should be reported accurately. Failing to do so can lead to allegations of fraud and may affect your eligibility.

6. Transferring Assets

Transferring assets or resources to others in an attempt to qualify for SSI benefits is a mistake that can have serious consequences. The SSA looks closely at asset transfers and may penalize you for attempting to hide resources.

7. Inadequate Documentation

Insufficient documentation of your income and resources can lead to delays in the processing of your application. Be prepared to provide supporting documents such as bank statements, pay stubs, and tax records.

How to Avoid These Mistakes

Navigating the complexities of income and resources in your SSDI application requires attention to detail and thoroughness. Here are some tips to help you avoid common mistakes:

1. Consult with Disability Advocates Group

Seek legal guidance from Disability Advocates Group when preparing your SSDI application. Our experienced attorneys can provide valuable insights into the documentation required and ensure accuracy in reporting income and resources.

2. Keep Detailed Records

Maintain organized records of all your income sources and assets. This will help you provide accurate information when completing your application and responding to any inquiries from the Social Security Administration (SSA).

3. Report Changes Promptly

If your financial situation changes after submitting your application, promptly inform the SSA. Changes in income or resources can impact your eligibility or benefit amount.

4. Be Transparent

Honesty and transparency are crucial when applying for SSDI benefits. Accurately report all income and resources, and don’t attempt to hide assets.

Avoiding common mistakes related to income and resources in your Florida SSDI application is essential to ensure a smooth and successful process. Disability Advocates Group is here to assist you in navigating the complexities of SSDI applications, from accurately reporting income to documenting resources. By seeking legal guidance and being diligent in your application, you can increase your chances of securing the benefits you deserve to support you during your disability.

About the Author
Ms. Shvarts and the rest of the team at Disability Advocates Group are dedicated to assisting individuals in Florida obtain Social Security Disability Benefits (SSDI) and Supplemental Security Income (SSI) benefits.