If you’re injured and can no longer work, you need to apply for Social Security Disability as soon as possible. Many people who call my office have been permanently disabled by a work injury, a car accident, or a disease. Many have stopped working and are living off their savings. It’s not until their savings are almost exhausted that they begin the SSD application process. The process can take months, and in some cases years, so it is wise to start as soon as you know you can no longer work.