There are two main programs for Social Security Disability: SSI, and SSDI. The SSI program is a charity based program that's based on financial need. There's no real deadline to file for this, however the government will not pay for any benefits prior to the time you file. So the longer you wait, the more benefits you might lose.
The other program, the SSDI program, that's a merit based program based on how much taxes or fica taxes you've paid. There's no real deadline to file for this either. However there's something you really need to know about. To receive bene fits under this program, you have to prove you became disabled during a time where you had worked 5 out of the previous 10 years.
Like SSI, there is a financial aspect to all of this. The government will not pay for any benefits more than 1 year prior to the time you file. So if you wait, 3-4 years to file, you could lose 2-3 years of benefits.
So here's our basic advice: If you have a medical condition that prevents you from being able to work full-time, you need to file as fast as possible. That's the safest way to maximize your benefits, and if you feel like you need assistance to file for an application for Social Security Disability benefits, you can fill out the form online, give us a call, we would be glad to help.