Apply for Disability as Soon as Possible

One of the most important steps you can take is to apply as soon as you become disabled. Don’t wait to apply—delays in your application can mean longer wait times for processing. By starting your application early, you give yourself the best chance of getting the benefits you need sooner.

Submit a Complete Application

A complete and accurate application is key to preventing delays. If your application is missing important information or documents, it will be returned to you for corrections, which will slow down the process. To ensure your application is complete:

• Double-check all the required forms to make sure nothing is missing.
• Provide comprehensive medical records from your doctors, hospitals, and specialists, and ensure they are current.
• Fill out the Disability Report carefully, providing clear and accurate information about your medical condition, work history, and how your disability affects your ability to work.

Apply Online

The quickest way to apply for disability is through the SSA’s online application system at www.ssa.gov. This method allows you to fill out the application at your own pace and avoid waiting in line at a local office. Applying online can often lead to faster processing compared to applying in person or by phone.

Use the SSA’s Compassionate Allowances Program

If your condition is listed in the Compassionate Allowances (CAL) program, the SSA will prioritize your case and expedite the decision process. The CAL program fast-tracks claims for applicants with certain severe medical conditions that clearly meet the SSA’s disability criteria. Some of these conditions include certain types of cancers, neurological disorders, and heart diseases. To take advantage of the Compassionate Allowances program:

• Make sure your medical records clearly document your condition.
• Check if your disability is on the SSA’s Compassionate Allowances list to see if you qualify for expedited processing.

Request a “Dire Need” Expedited Process

If you are facing a financial crisis or have urgent medical needs, you may qualify for an expedited review under the SSA’s “dire need” policy. To request this, you’ll need to demonstrate that you’re in immediate need of benefits (e.g., homelessness, imminent danger to health, or extreme financial hardship). To request an expedited process:

• Contact the SSA to explain your urgent situation.
• Provide supporting documents that show your need, such as medical records, hospital bills, or eviction notices.

Stay in Communication with the SSA

Once you’ve submitted your application, it’s important to stay in regular communication with the SSA to avoid delays:

• Follow up regularly to check the status of your claim and ensure there are no issues or additional information needed.
• If you haven’t received updates after a few months, call the SSA at 1-800-772-1213 to inquire about the status of your application.
• Respond quickly to any requests from the SSA for additional information or documentation. The faster you respond, the faster your case will move forward.

Consider Using an Attorney or Advocate

While it’s possible to apply without professional help, a disability lawyer or advocate can significantly increase the chances of a faster, successful claim. A lawyer or advocate can help you navigate the complex application process, ensure that your medical evidence is thorough, and assist with any appeals or additional steps if your claim is denied.

Although hiring a lawyer might not speed up the initial application process, their expertise can help avoid mistakes or delays in the future and potentially speed up the appeals process if your claim is denied.

Make Sure Your Medical Records Are Up-to-Date

Your medical documentation is crucial for proving that your disability meets the SSA’s requirements. One of the main reasons disability claims are delayed is incomplete or outdated medical records. To avoid delays:

• Ensure your medical records are current and accurately reflect the severity of your condition.
• Include all relevant records from specialists, hospitals, and any treatments or surgeries you’ve had.
• Have a doctor’s opinion letter that specifically explains how your disability affects your ability to work.

Keep Detailed Records

Keep a thorough record of all correspondence with the SSA. This includes:

• Copies of all documents you submit, including medical records and forms.
• Any letters or notices you receive from the SSA.
• The date and details of any calls or in-person visits to SSA offices.

Prepare for a Possible Denial

Although it’s not a desirable outcome, many disability claims are initially denied. Appealing a denial can take time, but knowing how to handle it in advance will ensure a quicker resolution. If your claim is denied, make sure you:

• Request reconsideration within 60 days of receiving the denial notice.
• Be prepared to provide additional medical evidence that supports your disability claim.
• If reconsideration is denied, request a hearing before an Administrative Law Judge (ALJ).

The faster you can submit the required documents for appeals, the quicker your case will be processed.