Steps to File for Social Security Disability

Step 1: Determine Your Eligibility

Before applying, it's essential to understand whether you meet the eligibility criteria for Social Security Disability benefits. There are two main programs:

• SSDI (Social Security Disability Insurance): To qualify for SSDI, you need to have worked and paid into Social Security for a sufficient number of years. Generally, you need to have earned 40 work credits, 20 of which must have been earned in the past 10 years. The more you’ve worked, the higher your benefits will be.
• SSI (Supplemental Security Income): SSI is a need-based program for individuals with limited income and resources, regardless of work history. To qualify, you must have a qualifying disability and meet the SSA’s financial criteria.

Step 2: Gather the Necessary Documentation

The next step is to gather all the documentation required to support your claim. The Social Security Administration (SSA) will need:

• Medical records: Documentation from your doctor(s) regarding your condition and how it limits your ability to work. Be sure to include medical test results, treatment plans, hospital records, and a letter from your treating physician.
• Work history: Information about your previous jobs, including dates of employment and the type of work you performed. If applying for SSDI, you must prove that you’ve paid into Social Security during your employment.
• Personal information: This includes your birth certificate, Social Security number, tax returns, and information about any other benefits you may be receiving.

Step 3: Complete the Disability Application

You can apply for Social Security Disability online, by phone, or in person at your local Social Security office. The easiest and fastest way is to apply online through the SSA’s website at www.ssa.gov. The application will ask for the following information:

• Personal and family details: This includes your Social Security number, address, and employment history.
• Medical information: Provide detailed information about your medical condition(s), including doctor visits, hospitalizations, treatments, and medications.
• Work history: Include details about the jobs you’ve held in the past 15 years, the duties you performed, and the number of hours you worked.

Step 4: Submit Your Application

Once you’ve completed the application and gathered all required documents, submit it to the SSA. Be sure to double-check that everything is accurate and that you’ve included all the necessary medical and work history documentation. Missing or inaccurate information can lead to delays or denials.

Step 5: SSA Review and Initial Decision

After you’ve submitted your application, the SSA will review your case. The process typically takes 3 to 5 months, but it can be longer, especially if additional information is required. During this review, the SSA will assess your eligibility, considering your medical condition, work history, and whether your condition meets SSA’s criteria for disability.

Step 6: Respond to Requests for Additional Information

The SSA may request additional information to support your claim. Be sure to respond promptly to any requests for medical records, financial documents, or other paperwork. Delays in providing requested information can slow down the process.

Step 7: Be Prepared for a Denial

It’s common for Social Security Disability claims to be denied, even if you have a legitimate case. If your claim is denied, don’t get discouraged. You have the right to appeal the decision. The appeals process involves:

• Requesting Reconsideration: The first step is asking the SSA to review your case again.
• Requesting a Hearing: If reconsideration results in a denial, you can request a hearing before an Administrative Law Judge (ALJ). This is an opportunity to present your case in person.

Step 8: Follow Up and Stay Organized

Throughout the process, stay organized and keep track of all correspondence with the SSA. You can check the status of your claim through your SSA online account. If you need to contact the SSA, their helpline is 1-800-772-1213.