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Must I wait a year after being disabled before receiving Social Security disability benefits?


 

Video Transcription

No, you absolutely should not wait a year after becoming disabled before you apply for Social Security disability benefits. That is somewhat of a misconception because of the rule that states that you have to have either been disabled for a period of 12 months or be expected to be disabled for a period of 12 months in order to qualify for disability benefits. The part that some people miss is you can be expected to be disabled for 12 months in the future and still qualify. The longer you wait to apply for benefits, the more back benefits you may be losing. Depending on the program you may be applying for, you may not be able to get benefits before the month before you have applied. If you’re applying for the regular DIB program where you have worked the last 5 out of the 10 years prior to your disability, they can go back the one year, but it’s not a good idea to take that chance. If you believe that you’re gonna be disabled and out of work for a period of a year, don’t wait for the year. Go ahead and apply.

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