I have sufficient money in the bank, should I wait until it is gone to file?

Q: ​I am disabled, but I have sufficient money in the bank for now. Do I have to wait until this money is gone before I apply for Social Security disability benefits?

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A: No. If you have worked in recent years or if you are applying for disabled widow's or widower's benefits or disabled adult child benefits, it does not matter how much money you have in the bank. There is no reason to wait to file for Social Security disability benefits.