Step 1: Check Your Eligibility for SSDI

Before starting your application, make sure you meet the eligibility requirements for SSDI:

• Work History: You must have worked and paid into Social Security for a certain number of years. The number of years you need depends on your age at the time you became disabled. Generally, you need at least 5 years of work in the last 10 years.
• Disability: You must have a disability that prevents you from working and is expected to last at least 12 months or result in death.
• Medical Evidence: You will need to provide medical documentation that proves the severity of your disability and how it prevents you from working.

Step 2: Gather the Necessary Documents

To apply for SSDI, you will need a variety of documents to support your claim. Make sure you have:

• Personal information: Your Social Security number, birth certificate, and contact details.
• Medical records: Documentation from doctors, hospitals, and specialists about your condition, treatments, and prognosis. Include any relevant lab results, diagnoses, and test reports.
• Work history: A list of jobs you have had in the last 15 years, including employer names, dates of employment, job titles, and descriptions of your duties.
• Financial information: While SSDI is based on your work history, you may need to provide details about your income and assets.

Step 3: Complete the SSDI Application

There are several ways to apply for SSDI:

• Online: The easiest and quickest way to apply is through the Social Security Administration (SSA)’s official website at www.ssa.gov. Both SSDI and SSI applications can be completed online.
• In-person: You can also apply at your local SSA office. To find the nearest office, visit the SSA office locator: https://secure.ssa.gov/ICON/main.jsp.
• By phone: If you prefer, you can apply by calling 1-800-772-1213 to start the application process over the phone.

Step 4: Answer the Application Questions Thoroughly

When filling out the application, be as thorough and detailed as possible. The SSA will ask you questions about:

• Your disability: Be specific about your condition, symptoms, and how it limits your ability to work.
• Work history: Provide detailed information about your previous jobs, including job descriptions and responsibilities.
• Medical treatment: Include your doctor’s contact information, details of your treatments, and any prescribed medications. Make sure to provide up-to-date medical records.
• Daily limitations: Explain how your disability affects your daily life, such as difficulty with concentration, movement, or other tasks related to your job.

Step 5: Submit the Application and Documents

After completing the application, submit it along with all necessary supporting documents. If applying online, you can upload your medical records and other required documents directly. If applying in person or by phone, bring or mail your documentation to the appropriate SSA office.

Step 6: Wait for a Decision

The SSA will review your application and medical evidence to determine if you qualify for SSDI. This process can take several months, so it’s important to be patient. You will receive a notice from the SSA with their decision.

• If Approved: If your application is approved, you will receive an approval letter that details your benefits, including your monthly payment amount.
• If Denied: If your application is denied, you can appeal the decision. It’s common for first-time SSDI applications to be denied, so don’t be discouraged.

Step 7: Appeal a Denied SSDI Claim

If your claim is denied, you have the right to appeal the decision. The appeal process typically involves:

• Requesting a Reconsideration: If your initial claim is denied, you can ask the SSA to review your case again.
• Requesting a Hearing: If the reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is an opportunity to present your case in person and submit additional evidence.
• Appeals Council: If the ALJ denies your case, you can appeal to the Appeals Council, or you can file a lawsuit in federal court.

Consider Legal Help if Needed

While you can apply for SSDI on your own, working with a disability attorney can increase your chances of success, especially if your claim is complex or if you need to appeal a denial. A lawyer can help you:

• Gather and organize the necessary medical evidence.
• Complete the application or appeal forms accurately.
• Represent you during the hearing before an ALJ.

Most disability lawyers work on a contingency basis, meaning they only get paid if you win your case.