When should you file for Disability (SSD orr SSI ?

Because the disability process (and this goes equally, of course, for social security disability and ssi disability benefits) can be so long, not to mention emotionally draining and financially devastating, you should file for disability benefits...as soon as you become disabled.

That's the short answer to the question. Here's a more detailed answer. Since, in the social security administration's eyes, you cannot be working and earning above a certain amount each month and still be considered, you should file for disability as soon as your condition restricts your ability to work and earn at least amount.

What is this gross monthly earnings cap, above which you are not considered disabled? This amount is referred to as sga, or substantial gainfuly activity, and the amount changes each year. In 2012, this amount is gross monthly earnings of $1010.00 per month, meaning that if you earn at least much, you are not eligible to receive social security disability or ssi benefits no matter how bad your physical and/or mental condition was.

Can you still file for disability even if you are working at the time? Yes, but as was mentioned, if your monthly gross earnings are at the sga level or higher, you will not be eligibile to actually receive benefits. In fact, though your application will be taken, it will be very quickly denied (this is called a technical denial) without the benefit of ever having gone through the medical evaluation process.