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WHEN TO APPLY FOR SOCIAL SECURITY DISABILITY

When should you apply for Social Security disability (SSDI)?  Here's a brief, easy to understand guide on when to apply.

1.  Apply as soon as you become unable to work.  You can't be working at the time you apply; however, you can apply immediately when you stop working.

2.  If your doctor tells you that you have a severe condition that will keep you out of work for at least one year or more, it's time to apply.  Unfortunately, SSDI does not cover short-term disability--one that will last less than 12 months.

3.  If you are disabled and cannot file for SSDI immediately, you can get a "protected filing date."  Send a letter to Social Security notifying them that you intend to file a "Title 2" claim for SSDI in the future.  They can use the date on the letter as your protected filing date.

Q & A

 1.  Must I be off work for 12 months before I apply?  No.  You must have a medical/mental condition expected to last for at least 12 months.

2.  What if I am disabled but can't afford to stop working now?  Can I still apply for SSDI?  No.  If you are working at Substantial Gainful Activity (SGA) when you apply (or during the application process), you will get an automatic technical denial.

3.  Must I have a doctor to "sign off" on disability before I apply.  No.  There is no provision for a doctor to sign anything.  Social Security does not let doctors determine who is disabled under their rules.  Social Security will get your doctor's records after you apply.

4.  Must I use an attorney to apply?  No.  An attorney is not required.  Some claimants choose to use an attorney to file the application but you can file on your own if you choose. 

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