Sometimes it’s best to wait rather than rush into something. However, if you need to apply for Social Security Disability Insurance benefits, waiting may create more problems. If you can’t work because of a medical condition, and you’re wondering when you should apply for SSDI, this article should help.
When Is the Time Right?
Generally, you should apply for SSDI as soon as you realize your medical condition prevents you from working. Why? Because of the way the SSA reviews your claim, certain dates are very important:
- The Alleged Onset Date. The SSA usually will determine that your alleged onset date is the date you submitted your application. Retroactive SSDI benefits are generally calculated from your alleged onset date.
- The Wait Period. You may not receive SSDI for the first five months after you become disabled. The Wait Period begins on the onset date, which is decided by the SSA.
Waiting to file your application could reduce your retroactive payments and back pay. When your disability reaches the point you can no longer work, it’s time to apply for SSDI.
Length of Application Process – Another Reason to File Quickly
As with many government programs, the application process can be difficult. Be prepared to submit documents and information that support your claim, including:
- Your birth and citizenship status.
- List of medical conditions,
- Medical records already in your possession,
- Marital status.
- Information about children under the age of 18.
- Military service,
- Education and training background,
- Employment history, including self-employment records.
It may take anywhere from three months to several years to get your approval. In some limited cases, people’s benefits may start in 30 days. However, if your application is approved within a few months, you still may wait for the full Wait Period before receiving your first check.
Remember that if your initial claim is denied, you may appeal the denial. Of course, this adds to the time before your benefits start but may be necessary.
When Should You Apply for Social Security Disability Insurance Benefits? After You Talk to a Lawyer!
Many first-time claims are denied. Sometimes, the denials may have been avoidable. For example, if your paperwork is not right or you don’t have the right evidence, your claim may be denied. An experienced disability attorney can help.
The attorneys at The Law Offices of Martin Taller have the experience and ability to take on your case. For a free consultation, call us at 714-385-8100. We assist clients throughout Southern California from our home office in Anaheim.