We are discussing "secrets" to winning Social Security disability benefits. Here's one that many people are not aware of.
Waiting too long to file your application for disability benefits can result in finding you have no disability insurance coverage with Social Security.
About 4 years after you stop working, your Social Security disability insurance will expire because you are no longer paying into the system. The date your insurance expires is called the "Date Last Insured." When this date rolls around, you can no longer file a new claim under Social Security disability (Title 2, it's called). It doesn't matter how sick you are, or how unable you are to work, you no longer have insurance. It's like trying to collect on a car accident after your automobile policy has expired. You can't. Social Security disability insurance has an expiration date. If you think you are disabled, file now, while you still have the insurance.
Individuals come into my office regularly who say, "I worked for 23 years, then stopped working in 2003. I began having some back trouble around 2003 but never filed a disability claim. When we check their record, we find that their Social Security disability coverage has expired, which means they cannot file a new claim. (They may be able to file an SSI claim, but there are strict limitations on income and assets and the maximum SSI benefit in 2013 for an individual who is not blind is $710).
Here's the moral of my story. If you believe you are legitimately disabled, file your disability claim as soon as possible to get a protected filing date. You want a protected filing date prior to your "Date Last Insured." In short, you must file a claim while you still have insurance.
If you are sick or injured and thinking about having to quit work, realize that within a few years after you quit you are going to lose your coverage under Title 2 of the Social Security Act. The sooner you can file a claim the better off you will be. Social Security disability coverage does not necessarily last for your entire lifetime.
You can Email me about your disability claim here.
Waiting too long to file your application for disability benefits can result in finding you have no disability insurance coverage with Social Security.
About 4 years after you stop working, your Social Security disability insurance will expire because you are no longer paying into the system. The date your insurance expires is called the "Date Last Insured." When this date rolls around, you can no longer file a new claim under Social Security disability (Title 2, it's called). It doesn't matter how sick you are, or how unable you are to work, you no longer have insurance. It's like trying to collect on a car accident after your automobile policy has expired. You can't. Social Security disability insurance has an expiration date. If you think you are disabled, file now, while you still have the insurance.
Individuals come into my office regularly who say, "I worked for 23 years, then stopped working in 2003. I began having some back trouble around 2003 but never filed a disability claim. When we check their record, we find that their Social Security disability coverage has expired, which means they cannot file a new claim. (They may be able to file an SSI claim, but there are strict limitations on income and assets and the maximum SSI benefit in 2013 for an individual who is not blind is $710).
Here's the moral of my story. If you believe you are legitimately disabled, file your disability claim as soon as possible to get a protected filing date. You want a protected filing date prior to your "Date Last Insured." In short, you must file a claim while you still have insurance.
If you are sick or injured and thinking about having to quit work, realize that within a few years after you quit you are going to lose your coverage under Title 2 of the Social Security Act. The sooner you can file a claim the better off you will be. Social Security disability coverage does not necessarily last for your entire lifetime.
You can Email me about your disability claim here.
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