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Lastly, it is smart to touch base with the disability manager handling your case from time to time to check the status of your file. Q: Do you have to be out of work for more than five months to submit an application for social security disability insurance? A: You can submit an application for social security disability if you have an injury and it is expected to keep you from your employment for a year or more. There is no waiting period for applying. The review process for a claim can be lengthy, so it is best to apply as soon as possible. If you are awarded benefits, you will not be eligible for your first payment until after a 5 month waiting period after the date of onset of your condition.