When should a claim for Social Security be filed?

Filing a claim for Social Security should occur as soon as the individual becomes disabled because this timing maximizes the potential benefits and ensures that the individual receives support as early as possible. Social Security Disability Insurance (SSDI) benefits can be retroactive, meaning that if the claim is filed promptly, benefits may be awarded for the months after the onset of the disability. There is a process involved in the evaluation of a disability claim, which can take time, so initiating the claim right after the onset helps in aligning the support with the individual’s needs.

Delaying the filing of a claim can result in a loss of benefits that could otherwise be received during the waiting period. Additionally, since there are specific requirements and documentation needed for a successful claim, filing early allows individuals to gather necessary information without the added stress of financial hardship from the disability.