Whether it's because of the constant drip of snot from your nose or because of that persistent achy feeling you can get, most people loathe getting a cold. But even if a particularly nasty cold forces you out of work for a few days though, most people know that it won't be a long-term thing. Eventually you do get to return to work and sustain financial stability for your household.
The same is not true though for all illnesses. As our more frequent readers already know, some illnesses can be disabling, forcing an individual out of work for an extended period of time. Perhaps even for the rest of their lives. Conditions like heart disease or lymphoma for example can even result in death in some cases, giving people with these conditions all the more reason to have concerns about missed work. It also gets them thinking about the prospect of disability benefits as well.
So when should an ill person apply for disability benefits, you may ask? To answer this question, today's readers need to know that there are certain requirements that must be met in order to qualify for Social Security disability benefits.
For starters, an individual must have a work history in which they paid into Social Security. Next, a person must have a condition that meets the Social Security Administration's definition of a disability, which requires that a person be unable to work for at least a year or have a condition that results in death. Only then does a person meet the eligibility requirements and can apply for benefits.
A person should apply then if their condition has forced then out of work for at least a year or as soon as they learn that their condition is likely to end in death. It's important to point out that proper medical records will be needed in order to prove the extent of an individual's condition. This way, the Administration can make a more informed decision about a person's need for benefits.
Source:The Social Security Administration, "Disability Planner: How You Qualify For Social Security Disability Benefits," Accessed June 9, 2015