Why should I apply now for SSDI?
When your medical conditions prevent you from being able to work, you should consider applying for SSDI right away. If you have applied for SSDI in Albuquerque and were denied, you will need SSDI help in Albuquerque from our attorneys. There are many reasons to apply as soon as you’re unable to work, which include the following:
Medical documentation of your conditions is vital in a disability claim, so you’ll want to start as early as possible to preserve your case. While the length of time records are kept varies from state to state, medical records must be kept by a medical treatment facility for a minimum of ten years in New Mexico. The records of a minor must be kept until they are 21 years old. Some states keep their records for as little as three years. If you were to apply after too much time has passed since your disability began, records may no longer be available, and it would be nearly impossible to prove you were or are currently disabled.
SSDI is dependent on the required number of work credits based off your earnings each quarter of a 12-month work year. These credits will only keep you insured under the system for so long, usually around five years after you stop working. This time frame can be even less if you had to stop working, went back to work, and then stopped working again later. Certain medical conditions allow for you to be insured under the system for a longer period after you stop working. Once the insured period ends, SSDI is no longer available. To receive SSDI, you need to prove you became disabled before you were no longer insured under the system. Thus, waiting too long to apply can make it much harder to prove your disability prior to the SSDI end date.
Because proof of your conditions is foundational to your SSDI case, SSA or your even your own attorney may want you to see a medical or mental health expert to confirm your diagnoses and symptoms. These experts will take a look at your medical records, examine you, or both. An examination is particularly vital when there is not enough documentation of your medical and/or mental health conditions to prove you are disabled. If you were to wait until years after your work credits ended, these medical experts would need to rely almost entirely on the available records and could not observe you during the relevant time period. Consequently, their opinion on your conditions could be deemed irrelevant to your case.
The appeals process can sometimes take years until there is sufficient proof your medical and/or mental conditions prevent you from working. Some people may get approved on their first application, but often times you may need to appeal a denial on your claim multiple times before you are able to prove you aren’t able to work. The quicker you begin the process, the quicker you may be approved for the benefits you deserve. And, if you are denied, our firm is here to help you with SSDI assistance.