We see it time and time again; somebody calls in wanting to apply for disability benefits. Their conditions made them quit their job six years ago. At the time they didn’t think to apply for disability benefits because they didn’t believe they would be out of work for too long. Or maybe they just didn’t think they would qualify from all the horror stories they had heard.
These cases are always heart breaking to hear because not only were they not getting help they needed for the past years, but because they delayed applying they no longer qualify for SSDI or DIB benefits. In order to qualify for SSDI or DIB benefits you must have worked at minimum of 5 out of the last 10 years. This means that if they had applied 6 years ago they could have qualified but because they waited they no longer qualify for this type of benefits.
What if I Don’t Qualify for SSDI Benefits?
If you do not qualify for DIB benefits there is another type of benefit available to you. This benefit is called Supplemental Security Income, or SSI. This benefit is smaller than DIB benefits. To qualify for this benefit your total household income must fall below a certain range. To see if you qualify click here.
When Should I Apply For Disability Benefits?
There is a lot of false information floating around regarding Social Security Disability. One common misconception is that you need to wait a full year from the start of your condition before applying for disability benefits. This is incorrect. An application should be submitted as soon as you are unable to work.
Getting approved for disability can be a long process. In Utah it is taking an average of 6-20 months to get approved. Delaying applying will only make this waiting process longer.
When Should I Wait To Apply?
To qualify for Social Security Disability benefits you must have a condition that will last 12 months or longer. Some conditions are able to be fixed with treatment or a surgery. If you have a condition that has a high likelihood of being resolved with some sort of procedure you should wait until you know if the condition will indeed be solved or if you will be unable to work for at least 12 months.
Call a Utah Disability Attorney
If you have questions about whether or not you should apply for disability call us today. We offer free consultations and can let you know if you have a case. Call today for your free consultation.