When to Apply for Disability

Disability is something the most folks do not usually think about.  Studies show that there is a 3-in-10 chance of a 20 year old worker becoming disabled before reaching retirement age.  So, studies show that the chances are much greater than you realize.

Who Receives Social Security Benefits?

Benefits are paid to those who cannot work due to a medical condition that will last a year or longer.  The condition might also result in death.  Social Security does not give money to people for short term disability.

When Should I Apply for Disability?

The sooner after your disability the better.  It can take a very long time to process an application for benefits.  To apply an application is required including an Adult Disability Report.  The document needed are your Social Security card, a birth certificate, and contact information for the individuals providing care.

Five questions to guide to Social Security Disability

  1.  Are you Working?  If you are working and earning more than a set amount each month, you are usually not disabled.
  2. Is your medical condition severe?  The condition must significantly limit your work ability.  Walking, sitting, and remembering must be greatly limited for at least one year.
  3. Is your medical condition on the State list of impairments?  First they will consult the list.  If your condition is not on their list they will compare your situation to one similar.
  4. Can you work as you did before?  Does your condition prevent you from working like you did before?
  5. Can you do other types of work?  The agency will see if you are able to do other work based on your skills and education.  If so, they may decide you are not disabled.