I am disabled, but I have plenty of money in the bank. Do I have to wait until this money is gone before I apply for Social Security disability benefits?

No.  You can apply for SSD and the money you have in the bank does not prevent you from filing and winning your claim.  If you have worked in recent years or if you are applying for Disabled Widow’s or Widower’s benefits or Disabled Adult Child benefits, it does not matter how much money you have in the bank.  There is no reason to wait to file the claim.  Money in the bank may effect your eligibility for SSI benefits, however.