When To Apply for Disability – Top Questions

Just how long should I wait after becoming disabled before I'm able to apply for Social Security disability benefits? 

Not even a day. Generally, you should apply sooner rather than later. You can apply for Social Security disability benefits in Missouri and Illinois on the same day that you are disabled. Many individuals make the error of waiting months or even years after becoming disabled before processing a Social Security disability claim. There is no reason to file a Social Security disability claim if one has only a mild illness or one which isn't likely to last a year or more. However, someone who suffers severe illness or injury and is expecting to be jobless for a year or more should not delay in filing a claim for Social Security disability benefits.

I am disabled, but I have a sufficient amount of money in the bank for the time being. Do I have to wait until this money is gone before I apply for Social Security disability benefits?

No. If you've worked in the past few years or if you're applying for disabled widow's or widower's benefits or Disabled Adult Child (DAC) benefits, it is not important how much money you have in the bank. There is no need to wait to file for Social Security disability benefits.

May I receive Social Security disability benefits along with Medicare and/or Medicaid?

Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also entitled to Medicare after a 24-month waiting period. In this waiting period for Medicare, an individual may be eligible for health insurance through a former employer. The employer should be contacted for information about health insurance coverage.

Generally, a person receiving SSI is eligible for Medicaid. In most states, a determination will be made by the Social Security administration on an individual’s capacity to receive Medicaid. However, in some states, a different application is needed. Information on SSI and Medicaid in your state is available online. It's possible to get both Medicare and Medicaid if you've got a low income and limited resources.

People in the Metro East St. Louis area from Edwardsville, IL to St. Charles, Missouri have an invaluable resource for information regarding social security disability. Contact the offices of Kassin and Carrow today for further information on how to get the benefits you deserve.