When To Apply for Disability

Byron DavidIf you feel you are disabled and unable to work, please call The David Law Firm (843-488-1415) for a free case evaluation.

HOW LONG DO I HAVE TO WAIT AFTER BECOMING DISABLED BEFORE I CAN FILE FOR SOCIAL SECURITY DISABILITY BENEFITS?

Not even one day. As a general rule, you should apply sooner rather than later. You can file for Social Security disability benefits on the very same day that you become disabled. Many individuals make the mistake of waiting months and even years after becoming disabled before filing a Social Security disability claim. There is no reason to file a Social Security disability claim if one has only a minor illness or one which is unlikely to last a year or more. However, an individual who suffers serious illness or injury and expects to be out of work for a year or more should not delay in filing a claim for Social Security disability benefits.

I AM DISABLED, BUT I HAVE SUFFICIENT AMOUNT MONEY IN THE BANK FOR NOW. DO I HAVE TO WAIT UNTIL THIS MONEY IS GONE BEFORE I APPLY FOR SOCIAL SECURITY DISABILITY BENEFITS?

No. If you have worked in recent years or if you are applying for disabled widow’s or widower’s benefits or Disabled Adult Child (DAC) benefits, it does not matter how much money you have in the bank. There is no reason to wait to file for Social Security disability benefits.

CAN I RECEIVE SOCIAL SECURITY DISABILITY BENEFITS IN ADDITION TO MEDICARE AND/OR MEDICAID?

Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month waiting period. During this waiting period for Medicare, an individual may be eligible for health insurance through a former employer. The employer should be contacted for information about health insurance coverage.

Typically, a person receiving SSI is eligible for Medicaid. In most states, a decision will be made by the Social Security administration on an individual’s ability to receive Medicaid. However, in some states, a separate application is needed. Information on SSI and Medicaid in your state is available online. It is possible to get both Medicare and Medicaid if you have a low income and limited resources.

Adapted from a publication from Charles T. Hall, Esq., NOSSCR Past President.

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Posted on July 9, 2014, in Uncategorized and tagged , , , , , , , , , , . Bookmark the permalink. Leave a comment.

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