DISABILITY WAITING PERIODS - DON'T BE CONFUSED

I think one of the most confusing Social Security topics is the "waiting period."

Many people think they have to wait a certain period of time before applying for disability benefits.  This is a mistake that can cost you thousands of dollars, maybe even all of your disability benefits for the rest of your life.

Here is the rule, without exception:  Apply for benefits as soon as you believe you have a medical condition that will last 12 months or more and will keep you from working.  Period.

It will take about 4 months to get a decision on your application.  So, get it filed without waiting.  By the time you get approved, the waiting period will be over!

If you are disabled, file right now.  There are several dangers in waiting.
  • Your date last insured (DLI) may slip up on you and you lose the right to file for disability (forever).
  • You lose benefits based on a late filing date.
  • It simply takes several months longer to get your money than it should have.
I am not even going to try to explain "waiting periods" here because they are confusing to most people.  The more I try to explain them, the more confusing they become.  Therefore, let me simply repeat the rule:

Apply for benefits as soon as you believe you have a medical condition that will last 12 months or more and will keep you from working.  Period.

When in doubt, file the claim.  There is nothing to be gained by waiting.  There is everything to lose.

Web Link - Contact Our Web Page Free

⇨PHONE (256) 431-1599 256) 799-0297 

⇨ Never a fee for our service until you win!

Comments

Post a Comment

Popular posts from this blog

GETTING MONEY FROM SSDI

SSDI stands for Social Security Disability Insurance .  When you first began working, the Government deducted a percentage of your wages, called a FICA tax.  This continued as long as you worked, in most cases.  This money was matched by your employer and set aside in a government trust fund to help you if you later became disabled and could not work. SSDI is a type of government sponsored insurance program, usually called "Social Security disability insurance."  To get benefits out of SSDI, you must prove  that you have a medical disability so severe that you cannot work any full-time job; that this disability has lasted, or is expected to last, for at least 12 consecutive months. That sounds simple but Social Security has made it rather difficult to prove that you are disabled.  One reason is that their definition of 'disability' is so strict.  You usually must prove that you cannot perform even simple, unskilled work at the sed...
Read more

POST HEARING EVIDENCE

Many people assume that a Social Security disability case is over when the hearing has been held.  This isn't always the case.  Often there is post hearing work that should be done to achieve the best chance of a favorable decision. Everyone at a disability hearing works under pressure.  This includes the claimant, the representative, the vocational expert and even the administrative law judge.  Hearings are generally limited to less than one hour.  The judge will ask questions that place the claimant under stress to answer correctly.  The representative or attorney will be asked to respond to procedural issues or points of law that place him or her under pressure.  The judge must constantly conduct the hearing so that it follows Social Security laws, rules and regulations.  Further, the judge must form accurate hypothetical questions for the vocational expert based on the medical and vocational evidence in the file and upon the claimant's testi...
Read more

CAN YOU GET DISABILITY FOR SLEEP DISORDERS? HOW?

Many of my clients who file for Social Security disability have severe sleep disorders.  The question is, do these sleep problems equate to disability? The answer is, how do the sleep problems restrict the ability to perform full-time work?  What are the symptoms?  How frequent and how severe are the symptoms. Symptoms of insomnia, obstructive sleep apnea, narcolepsy or other sleep disorders often include: excessive daytime sleepiness fatigue loss of memory lack of concentration, persistence and pace irritability - unable to get along with supervisors, co-workers or customers at work If the medical record indicates treatment for these symptoms which has failed, then a finding of disability may be appropriate.  For example, if a person has obstructive sleep apnea which can be corrected by using a CPAP machine, then it is not disabling.  If a CPAP has been tried and failed to fix the problem, then we have valid medical problems that may hel...
Read more