Social Security Disability RC

How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
Social Security Disability list of impairments
How to Qualify for Disability, Mental Disability
Disability Lawyers FAQ, Disability Back Pay

When Should You File for SSD or SSI Disability Benefits?

Many potential applicants for Social Security Disability or SSI disability applicants wait far too long before filing for disability benefits. In many instances, these individuals have already ceased working due to a physical or mental impairment, or a combination of physical or mental impairments.

In other cases, potential applicants for disability benefits are still in the workforce, but are working reduced hours, earning even below what the social security administration considers to be a supporting wage (known as SGA, or substantial gainful activity).

In either scenario, failing to file for Social Security Disability or SSI at "the right time" will simply result in one very predictable outcome: pushing farther off into the future the receipt date of monthly disability benefits, which the individual may be fully eligible to receive and which may make the difference between some degree of financial stability and financial collapse.

The appropriate time for anyone to file a disability benefits claim with the social security administration is when their physical or mental condition (or both, if they have both mental and physical impairments) have deteriorated to the point that they can demonstrate the following:

1. That they have a severe impairment. This, of course, is a subjective assessment that is proven or disproven by one's medical records. However, very few individuals file for disability on the basis of a non-severe impairment and these individuals typically have their claims quickly denied.

A non-severe impairment can be easily identified by a disability examiner or a social security judge (for a case that is being heard at the hearing level of appeal) and an example of a non-severe impairment might be "a sprained ankle" or a case of dermatitis. A severe impairment, by comparison, might be a broken leg for which there has been a "poor union", resulting in a obvious reduction in the person's ability to effectively ambulate.

2. That the severe is "severe enough" to have prevented the ability to work and earn a substantial and gainful income for a full year. If the claimant has not been out of work (or had their ability to work and earn at least a substantial and gainful income eliminated) for a full year by the time they apply for disability, then the social security administration can evaluate the claimant's medical condition to determine if the severity of their condition will eventually result in a loss of ability to work for a full year.

In brief, anytime a person's condition becomes severe enough that they cannot earn a supportive wage, they should consider filing a claim for disability. And since disability claims take many months to process, they should consider filing the claim as soon as possible.

Initiating a claim, of course, starts easily by simply contacting a local social security office and setting up an appointment for a disability application interview. Individuals who do this can also consider obtaining representation from a disability lawyer if they wish to have the lawyer assist them in getting the claim started.

However, many individuals will simply wait to see if their application is denied before seeking assistance. Does representation make sense at an early stage? For many individuals, it will make as much sense to just wait until a denial notice has been received; however, their are some disability representatives that are effective enough that they can win their claimant's cases at the disability application stage, thus avoiding many months of processing time on appeals.

Essential Questions

What is the Social Security Disability SSI list of impairments?

Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

Tips for getting Social Security Disability or SSI benefits approved

What medical conditions will get you approved for disability?

What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state

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Social Security Disability SSI Questions

The listings, list of disabling impairments

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Disability Lawyers prevent unnecessary denials

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How to apply for disability for a child or children

Filing a Social Security Disability SSI application

Filing for disability - when to file

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How to Prove you are disabled and Win your Disability Benefits

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Related pages:

What to say at a disability hearing
How do you get the most in Social Security Disability SSI back pay?
What are wait times for Social Security Disability Hearings?
Filing for disability tips
Applying for disability, when and where
When should you File for Disability benefits with the social security administration?
Filing an Application for Disability
What happens if my Disability Application is denied?
Applying for Disability - Rules and Requirements
When You File A Second Social Security Disability Claim
Disability lawyers - basic questions for Social Security help
Getting a Disability Lawyer in Pennsylvania
If you apply for disability in Pennsylvania
Will I qualify for disability Benefits in Pennsylvania?

These pages answer some of the most basic questions for individuals who are considering filing a claim.

Can you get temporary Social Security Disability or SSI benefits?

Permanent Social Security Disability

What is the difference between Social Security Disability and SSI?

Who is eligible for SSI disability?

Can I Be Eligible For SSI And Social Security Disability At The Same Time?

What makes a person eligible to receive disability benefits?

Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?

What happens if I file a disability application and it is denied by a disability examiner or Judge?

For the sake of clarity, is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the homepage and view the "about this site" link near the bottom of the page.