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Q: How long do you have to wait to submit a disability insurance application for social security benefits? A: When you expect that your medical situation will keep you from being employed for 12 months or more, submit your social security benefits application. The review process can take months or years, so it is best to apply as soon as possible. There is no waiting period to apply. Q: What will be expected of you when your case is heard by an administrative judge? A: Having your case heard before an administrative judge gives you one final opportunity to have your social security benefits claim reviewed. Because of this, it is important to show up and assure that the judge will have all the information he or she needs to make a fair judgment.