SSDRC

  Social Security Disability SSI Resource Center Archive Directory

Tuesday, November 18, 2008

When should you apply for Social security disability?

This question is routinely addressed by disability attorneys and by columnists. However, the simplest way to answer the question is to state that you should apply for social security disability as soon as your medical condition makes it impossible for you to work, or at least work and earn what is considered to be a substantial and gainful monthly income.

Individuals who are considering whether or not to apply for social security disability will often put off initiating their claim by several months. While this is understandable, it can, given the fact that disability claims filed with the social security administration can take months, even years to result in an award of benefits, be an unwise course of action.

Here is a short of scenarios that may guide when and when not to apply for social security disability.

1. An individual is working full-time: the likelihood is that the gross monthly earned income of an individual who is working full-time will exceed the standard for substantial and gainful income (the actual dollar amount changes each year).

Even if that were not the case, however, the ability to work full time will not serve to substantiate an individual's claim for disability. For these reasons, an individual who is working full time should not choose to apply for social security disability, but, instead, should wait until their physical or mental condition makes continuing working impossible, or make it impossible to work enough (days, hours, weeks, etc) to approach what the social security administration considers a monthly substantial and gainful income.

2. An individual is working part-time and the prospect of working full time does not seem likely due to their mental or physical condition: an individual in this type of scenario should probably make the decision to apply for social security disability. The inability to work at a substantial and gainful income level will substantiate a claim for disability benefits, assuming, of course, that an individual's medical records will corroborate the individual's functional limitations which exist as a result of their medical condition.

What happens if you actually do apply for social security disability while you are working? Then the outcome is one that does not involve a medical evaluation. In other words, social security will deny the claim without reviewing the individual's medical records. In other words, if a person is working and earning a substantial and gainful income, they cannot receive disability benefits no matter how disabling their condition is.




For information on Social Security Disability, visit the

Social Security Disability Benefits Resource Center






















Working while getting Disability - is it possible?
What physicians and claimants should know about Social Security Disability
A medical source statement for a Social Security Disability Case
Social Security Disability - The claimant's ability to work
Letters from doctors for Social Security Disability
Why do social security disability claims take so long?
When should you apply for Social security disability?
How is Social Security Disability Awarded
Social Security Disability Medical Records
Social Security Disability Mental Testing
Social Security Disability Representation
Qualification for Social Security Disability
How To Get SSDI Approved
Doing the SSDI Appeal Online
Apply for Disability with Depression
Social Security Disability and Back Pain
How Will Social Security Decide a Disability Case
Being Determined Medically Disabled for Social Security Disability
Eligible For Social Security Disability?
Social Security Disability Appeal
Social Security Disability Denied
Medical Records Social Security Disability
How to Win Social Security
How to Prepare For a Social Security Disability Hearing
List of Impairments for Social Security Disability
Social Security Medical Exam
Request for a Social Security Disability Hearing
Social Security Disability Facts
Why Do Social Security Disability Claims Take So Long?
Social Security Disability Advice for Filing