Here is a question received from a reader that touches on the issue of how to choose the correct “onset date” for disability when there have been multiple, unsuccessful job attempts:
I have a brother who is a professional businessman who has tried many times to maintain a job through a devastating illness. Over the past two years he has had a job for a few months unable to do the job and the company has let him go , he was able to collect unemployment , thought and hoped he could do another job, same thing happens, unable to complete days, lots of missed days, they let him go, he collects unemployment..repeat scenario three more times. I have convinced him to apply for social security disability (he should have done it some time ago) but what would you recommend for using the date of unable to work? Also, he has no more savings and unemployment runs out nest month..then nothing.. should he apply for SSI as well?