After how many months of disability does one become eligible for Social Security disability benefits?

Study for the North Carolina Life Agent Exam. Prepare with quizzes and multiple choice questions, each question includes hints and explanations. Ace your exam!

To qualify for Social Security disability benefits, an individual must have a condition that has lasted or is expected to last for a minimum of 12 months. However, there is a waiting period that stipulates that benefits will not be paid for the first five full months of disability. This means that you must be continuously disabled for at least five months before you are eligible to receive benefits, making the fifth month the point at which eligibility is established, although benefits will actually begin in the sixth month.

Therefore, the correct answer highlights the critical aspect of the five-month waiting period that is a standard requirement in the Social Security Administration's guidelines for disability benefits. This understanding is essential for anyone navigating the claims process for Social Security disability.

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