Apply for Disability Benefits at the Right Time

Apply for Disability at the Right Time

If you have been diagnosed with an ongoing medical condition that affects your ability to work, then you’ve probably thought about applying for Social Security Disability (SSD) benefits.

For someone unfamiliar with Social Security Disability benefits, the application process can be daunting. When is the right time to file? Is there a right time to file with my specific condition?

The answer to these questions is surprisingly simple. You should apply for disability benefits as soon as possible once your unable to work or maintain gainful employment as a result of your medical condition.

According to the Social Security Administration earning $1,040 per month is considered “gainful activity”. If you earn less than this amount, you may meet the basic eligibility requirements for receiving SSD benefits.

What about Proving Your Claim?

Talk to your doctor about your intention to file for SSD benefits. Your physician should be able to help you figure out what medical records you need to start the application process. If you find that you need to collect further documentation, you can still begin the process and potentially shorten the amount of time you will have to wait in the long run.

Why File so Quickly?

An application for SSD benefits can take as long as two years to get through the entire process. Keep in mind that most applications are denied during the initial review and even more are denied during reconsideration reviews. The sooner you submit your application, the sooner you’ll receive a decision and move on to the next step of the process.

What if Your Disability is not Permanent?

If your condition is not expected to be permanent, but you are unable to work for at least 12 months, you should still apply for disability benefits. If you don’t know how long your disability will last, or if you are still hoping to return to work, you can still start your disability claim.

If your condition improves and you are able to go back to work, your claim can be ended or dismissed. However, if you don’t get better and cannot return to work, then you will need financial support. If you don’t file as soon as possible, you may run into financial trouble later down the road while you wait for a decision to be made on your claim.

Submitted By: Molly Clarke

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