Step 1: Determine Which Disability Program You Qualify For

There are two main Social Security Disability programs: SSDI and SSI.

• SSDI is for people who have worked and paid Social Security taxes for a certain number of years and are now disabled.
• SSI is for people with limited income and resources, and it’s available to those who haven’t worked enough to qualify for SSDI.

You need to determine which program applies to your situation before you start your application. If you’ve worked and paid into Social Security, you may qualify for SSDI. If not, SSI might be your option.

Step 2: Check if You Meet SSDI or SSI Eligibility Criteria

Before applying, make sure you meet the eligibility requirements for Social Security Disability:

• SSDI Requirements: You must have worked a certain number of years and earned enough work credits (typically 20 credits in the last 10 years). The number of credits needed varies depending on your age.
• SSI Requirements: You need to have limited income and resources. The SSA will also assess your disability to ensure it prevents you from working.

Step 3: Gather the Necessary Documents

To apply for Social Security Disability, you will need several documents to complete your application:

• Your Social Security number (and your spouse’s, if applicable).
• Your birth certificate or proof of U.S. citizenship.
• Medical records: Detailed documentation from your doctors, including notes, test results, and any other relevant medical records.
• Your work history: For SSDI, you will need to provide information about your past employment, including dates, job titles, and duties.
• Income and resources: For SSI, you’ll need to provide information about your income, bank accounts, and assets.

Be sure to gather these documents ahead of time so you can submit a complete application.

Step 4: Apply Online, Over the Phone, or In Person

There are three main ways to apply for Social Security Disability:

A. Apply Online

• The easiest and fastest way to apply is through the Social Security Administration’s online portal at www.ssa.gov.
• You’ll need to create an account and complete the online application, which can take up to an hour.
• Make sure you answer all questions honestly and provide as much detail as possible.

B. Apply by Phone

• You can also apply by calling the SSA at 1-800-772-1213. A representative will help you through the application process.

C. Apply In Person

• If you prefer, you can apply in person at your local Social Security office. You can schedule an appointment by calling the number listed above.
• To find the nearest Social Security office, visit the SSA’s website or use their office locator tool.

Step 5: Complete the Application Thoroughly

Whether you apply online, by phone, or in person, it's essential to complete your application thoroughly. Here are some tips:

• Be detailed: The more specific you are about your medical condition, work history, and daily activities, the better.
• Don’t leave any questions unanswered: Missing information or inaccurate answers can lead to delays or a denial.
• Follow up on additional documents: The SSA may request further documentation to support your claim. Respond promptly to avoid delays.

Step 6: Wait for the Decision

After submitting your application, the SSA will review it and make a decision. The process can take 3 to 5 months. During this time, the SSA will evaluate your:

• Medical condition: The SSA will review your medical records to determine if your disability meets their Listing of Impairments.
• Work history: The SSA will assess whether you’ve earned enough work credits for SSDI or whether you qualify for SSI.
• Ability to perform work: The SSA will determine if your condition prevents you from doing any kind of work.

If you’re approved for benefits, you’ll receive a notice with the details. However, if your claim is denied, you have the right to appeal the decision.

Step 7: Be Prepared for a Possible Denial

It’s important to know that most first-time Social Security Disability applications are denied. If this happens, don’t get discouraged. You have several options for appealing the decision, including:

• Requesting Reconsideration: If your initial claim is denied, you can ask the SSA to review the decision.
• Requesting a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ).
• Appeals Council: If you lose at the ALJ hearing, you can ask the Appeals Council to review your case.

Step 8: Consider Hiring a Disability Attorney

While you can apply for Social Security Disability on your own, hiring an experienced disability attorney can greatly improve your chances of success. A lawyer can:

• Help you gather and organize medical records and other evidence.
• Review your application to ensure it’s complete and accurate.
• Represent you in appeals if your application is denied.