SSD and the five-month rule

When people living in Indiana become disabled and are unable to work, it is understandable that they might want to receive Social Security disability benefits as quickly as possible. However, regulations restrict how quickly one might qualify for benefits, something that applicants should consider when making financial plans during and after the application process.

When it comes to Social Security disability, there is a five-month waiting period during which a person is not entitled to receive benefits. This five-month period begins in the month following the date on which they became disabled. SSDexperts note that nobody is entitled to benefits during this five-month period of time, but an individual who was disabled for at least 17 months prior to filing for disability can receive the maximum of 12 months back disability compensation after being approved for benefits.

Individuals who also apply for Supplemental Security Income benefits are not subject to a five-month waiting period. However, it should be noted that SSI recipients must be able to prove financial need before being approved for benefits. This is not true of those who apply for Social Security disability, which is awarded based on a person's work record and disability status rather than income or assets.

Individuals who are concerned about applying for Social Security disability may benefit from speaking with an experienced attorney. The attorney may be able to review the client's case and make recommendations regarding the application process. In addition, an attorney may also be able to represent an applicant during the appeals process. Given that 70% of SSD initial applications are turned down, this sort of assistance might prove valuable.

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