Most people wait way too long to file for Social Security disability. And that delay can cost you months or even years of benefits. Here’s the rule almost nobody explains clearly. You do not have to be out of work for twelve months before you apply. The law says your medical condition must be expected to prevent substantial work for at least twelve months going forward. That means if your doctor is unsure about recovery, your condition is getting worse, or you cannot consistently stay at work, t
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