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Disability and Social Security When do you apply??

Posted Jul 31 2009 8:05pm

Three years ago when I was going through all the testing for what was wrong with me. I had to stop working. Apparently it is not good to work when you can not stay awake, wear clothes because they hurt and passing out whenever I would stand up or come in from outside.

I was told to apply for Disability. I looked into it and found out that I hadn't earned enough work hour credits to get any assistance from Social security and Disability. I have worked since I was 16 but from the age of 19 - 32 I did home daycare and then Real Estate. So even though I had worked I hadn't worked in the eyes of the Government.

So, as I progressivly got better over the last 2 years. My goal was to work as much as I could so that I could earn my credits.

Today I got a letter from social Security and guess what??? I have officially earned enough credits to recieve Disability if and when the time comes.

Now I know that getting Disability is very hard to do in Illinois. However, at least I have the credits to try for disability. They will still turn =me down but not for that reason. So I see it as a step in the right direction.

My question is that I have been told that there are 2 different types of disability. I dont' understand them. My Mom thinks I should just start the process now so that by the time I get approved then I have it in place. My feeling is wait til I need it. She thinks that if I wait til I am down and can't work then I will have a few years of waiting for the approval and at that point it is to late.

So I am confused??? If I am capable of working, maybe not full time can you still start the process?

How does this work???

When do you start applying??

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