Step 1: Determine Your Eligibility

Before applying, it’s important to make sure you meet the eligibility requirements for Social Security Disability.

Eligibility Criteria:

• SSDI: To qualify, you need to have a work history in which you paid Social Security taxes. You must have worked long enough and recently enough to be insured under the program.
• SSI: SSI is based on financial need and doesn’t require a work history, but your income and resources must fall below a certain threshold.
• Disability: Both programs require that your disability is severe enough to prevent you from performing substantial gainful activity (SGA) and is expected to last for at least 12 months or result in death.

Step 2: Gather Necessary Documentation

Before you apply, gather all the documents you’ll need to support your claim. These documents will be crucial for demonstrating your eligibility and proving your disability.

Documents to Gather:

• Medical Records: Your doctor’s notes, test results, hospital records, and any other relevant documentation that show your disability.
• Work History: A list of your past jobs, employers, and dates of employment for the SSDI application.
• Personal Information: Your Social Security number, birth certificate, and proof of U.S. citizenship or legal residency.
• Financial Information: For SSI, you will need to provide details about your income, savings, and resources.

Step 3: Start the Application Process

Once you have your documentation ready, you can begin the application process for Social Security Disability.

Ways to Apply:

• Online: The fastest and most convenient way to apply is through the Social Security Administration (SSA) website at www.ssa.gov. The online application is available for both SSDI and SSI.
• By Phone: If you prefer, you can apply by calling the SSA at 1-800-772-1213. A representative can assist you with the process and answer any questions.
• In Person: You can apply in person at your local SSA office. To find your nearest office, visit the SSA website or call the number above.

Step 4: Complete the Application Form

The application form asks for detailed information about your disability, work history, and medical condition. Make sure to answer every question accurately and thoroughly.

Key Sections of the Application:

• Personal Information: Basic details like your name, address, date of birth, and Social Security number.
• Disability Information: Detailed information about your disability, when it started, how it affects your ability to work, and your treatment history.
• Work History: A comprehensive list of your previous jobs, including job titles, employers, and dates of employment. The SSA will use this to assess whether your condition prevents you from performing your past work.
• Medical Evidence: Be sure to provide comprehensive medical records that show how your condition affects your daily life and work ability.

Step 5: Submit Your Application and Documentation

Once you’ve completed the application form and gathered all the necessary documentation, submit your application. Double-check that everything is accurate and that you’ve included all supporting documents.

Important Notes:

• Accuracy is Crucial: Incorrect or incomplete information can delay the process or lead to a denial. Make sure every detail is accurate and complete.
• Submit All Required Documents: Missing documents can cause delays, so ensure you’ve included everything requested, including medical records and financial information.

Step 6: Wait for the SSA’s Decision

After you submit your application, the SSA will review your claim. This process can take several months, so it’s important to be patient. During this time, the SSA may contact you for more information or documentation.

What to Expect:

• Initial Decision: The SSA will either approve or deny your claim based on the information you’ve provided.
• Request for Additional Information: If the SSA needs more information, they will contact you. Be sure to respond promptly to avoid delays.

Step 7: Be Prepared for a Possible Denial

It’s common for Social Security Disability claims to be denied initially, even if you meet the eligibility requirements. If your claim is denied, don’t give up—you have the right to appeal.

What to Do if Denied:

• Request Reconsideration: If your claim is denied, the first step is to request reconsideration. The SSA will review your claim again.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ).
• Gather Additional Evidence: During the appeals process, provide any new medical records or documentation that support your case.

Step 8: Consider Hiring a Disability Lawyer

While you can apply for Social Security Disability on your own, many people choose to hire a disability attorney to improve their chances of approval. A lawyer can help guide you through the application process and, if necessary, the appeals process.

How a Disability Lawyer Can Help:

• Complete Your Application: A lawyer can help ensure your application is thorough and accurate, minimizing the chance of delays or denials.
• Gather Medical Evidence: Lawyers can help you collect and organize the necessary medical documentation to strengthen your claim.
• Represent You During Appeals: If your claim is denied, an attorney can represent you during the appeals process, including hearings before an ALJ.