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Take these steps when you apply for disability

When you are getting ready to apply for Social Security Disability (SSD), you need to make sure that you are planning properly. There are a few things that you have to think about so that you can make the most of what you are going through.

One important thing to remember is that you should file your claim as soon as possible. These cases take a while to go through, so the sooner you get the process started, the better. Plus, this gives you a chance to fill out all the paperwork while everything is still fresh in your mind.

You need to ensure that you have a financial plan going into this so that you can survive in the period between the application and the approval. You can't go out on a spending spree. Instead, you will need to create a budget and stick to it. Even if you are approved for benefits, you will soon find that there are very strict limits to what you are going to get.

Another important consideration is making sure that you have medical care during the application period. You can't let your health slip so make sure that you take the time to make appointments and go to them.

When you apply, make sure you are only including factual information that can be proven. If your claim is denied the first time, you do have options for appealing. Pay attention to any dates or instructions in the correspondence you receive. These are very important and can impact your appeal, especially if you allow deadlines to pass by you.

Source: Kiplinger, "5 Tips on Applying for Social Security Disability Insurance Benefits," Michael Stein, April 24, 2018

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