When Should I Apply?

Immediately if you know you are disabled and/or will be out of work for a one year period or more!  I've done claims for so long, that when someone shares the news with me of their friend or relative that is sick and disabled or who has just undergone a tragic accident or diagnosis with a prognosis that is not good, after the initial sadness of hearing their news, I immediately think, "You should apply for SSD now!".  Of course that's usually the last thing that's on the mind of someone that has just had a loved one in a horrible automobile accident, or who has just received news that they have inoperable cancer.  Understandably so...my mind would be reeling too.  But, because of the amount of time it takes for a claim to process, it's crucial that the person applies immediately for themselves or on behalf of their loved one.  If approved, the medical coverage could take care of all or most of the medical bills incurred.