Why should you apply for disability benefits from the Social Security Administration (either Social Security disability or SSI disability)? The monthly cash benefits are the main reason disability claimants apply. But you'll also qualify for medical benefits. SSI recipients get Medicaid right away, and SSDI recipients get Medicare after two years. A good percentage of disability applicants apply for disability benefits just so they can get medical care.
As to when it is worth your while to file disability claim, here are two lists that should help you decide whether to apply.
If all of the following apply to you, you should file for disability benefits.
If you believe your condition will be of an extended duration (12 months or longer) and will prevent you from earning what SGA, or substantial gainful activity, you should probably contact your nearest Social Security office and initate a claim. Don't hesitate to do this because the time required to receive a decision on a disability claim can be lengthy, and your medical condition may worsen by then.
Learn more about medical and financial eligibility for SSDI and SSI benefits.