What Disability Benefits Can You Apply for in Florida?

Social Security Disability Insurance (SSDI)

SSDI is a federal program that provides benefits to individuals who are unable to work due to a disability. To qualify for SSDI, you must have worked and paid into Social Security for a sufficient number of years, and your condition must be severe enough to prevent you from working for at least 12 months.

Supplemental Security Income (SSI)

SSI is a need-based federal program for individuals who have low income and limited resources. Unlike SSDI, you don’t need to have a work history to qualify for SSI, but you must have a qualifying disability and meet the SSA’s income and asset requirements.

How to File for Disability in Florida

Step 1: Check Your Eligibility

Before applying for disability benefits, make sure you meet the eligibility requirements for SSDI or SSI:

• For SSDI: You need to have worked a certain number of years and paid Social Security taxes.
• For SSI: You must meet income and resource limits, and have a disability that qualifies under the SSA’s definition.

To check your eligibility, visit the official SSA website (www.ssa.gov) or contact a local SSA office.

Step 2: Gather Required Documentation

When applying for disability, you will need to provide several important documents:

• Medical Records: Detailed documentation from your doctor that explains your condition and how it limits your ability to work.
• Work History (for SSDI): A list of your past employment and any contributions you made to Social Security.
• Income and Resource Information (for SSI): Proof of income, assets, and household expenses to show that you meet the financial eligibility for SSI.

Having all your documents ready can help speed up the process.

Step 3: Complete Your Application

Once you’re ready to apply, there are several ways to submit your disability application in Florida:

• Online Application: The easiest way to apply is through the SSA’s online portal at www.ssa.gov. You can apply for both SSDI and SSI online. The website is user-friendly and walks you through the process.
• In-Person Application: If you prefer to apply in person, you can visit your local SSA office. Due to COVID-19 restrictions, many offices may require an appointment, so it’s a good idea to call ahead.
• By Phone: You can also apply over the phone by calling the SSA’s toll-free number at 1-800-772-1213. This may be useful if you need assistance or have questions about the application process.

Step 4: Submit Your Application

After completing your application, submit it online or by mail, depending on the method you used to apply. Be sure to double-check that all necessary information is included, as missing information can delay the processing of your claim.

• Follow Up: If you haven’t received an update in a reasonable time, follow up with the insurer or HR department to check the status of your claim.
• Provide Additional Information: If the insurance provider requests additional information or documentation, respond promptly to avoid delays.

Step 5: Wait for a Decision

After submitting your application, the SSA will review your case. The time it takes for a decision can vary, but the typical processing time is between 3 to 5 months. The SSA may contact you for additional information or clarification during this time.

Step 6: Follow Up and Respond to Requests

During the review process, it’s essential to stay on top of any requests for additional documentation or information. Missing deadlines or not responding to SSA inquiries can delay your claim. You can check the status of your application by creating an online account with the SSA.

Step 7: Appeal a Denied Claim (If Necessary)

It’s common for disability claims to be denied at first. If this happens, don’t get discouraged. You have the right to appeal the decision. The appeal process typically involves:

• Requesting Reconsideration: If your claim is denied, you can request a reconsideration of the decision. The SSA will review your case again to determine if they made an error.
• Requesting a Hearing: If reconsideration doesn’t result in approval, you can request a hearing before an Administrative Law Judge (ALJ), where you can present your case in person.

The appeals process can take additional time, so patience is key. Be sure to gather any new medical evidence that can support your case.