Rhode Island Life Insurance Practice Exam

What is the waiting period for eligibility to receive social security disability benefits after becoming disabled?

1. 3 months

2. 5 months

3. 6 months

4. 12 months

The correct answer is: 5 months

To begin receiving Social Security Disability Insurance (SSDI) benefits after becoming disabled, there is a mandatory waiting period of five months. This waiting period begins the month following the onset of the disability and serves as a way to ensure that recipients meet a certain threshold of severity and duration of the disability before benefits are granted. During this time, individuals are unable to receive any benefits, which emphasizes the need for proper planning and financial management for those who may become disabled. This five-month waiting period is an essential aspect of the SSDI program as it aligns with the program's goal of providing support only to those whose disabilities are expected to last for a prolonged period, typically at least 12 months or result in death.