Step 1: Determine Your Eligibility

Before you apply, it’s important to confirm that you meet the basic eligibility requirements for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI):

• SSDI: You must have worked and paid into Social Security for a certain number of years, typically 5 out of the last 10 years.
• SSI: SSI is for individuals with low income and limited resources, and it doesn’t require a work history, but there are strict income and asset limits.

Both SSDI and SSI require proof that your disability prevents you from working for at least 12 months or is expected to result in death. Be sure to review the SSA’s Listing of Impairments to determine if your condition is listed.

Step 2: Gather Medical Evidence

The SSA requires thorough medical documentation to evaluate your disability. The more detailed your records are, the higher your chances of being approved. Here’s what you need to do:

• Visit Your Doctor Regularly: Consistent doctor visits create a solid medical history to support your claim.
• Request Complete Medical Records: Obtain all relevant medical records, including lab results, doctor’s notes, and hospital records, to build a comprehensive file.
• Get a Doctor’s Opinion: A letter from your treating physician explaining how your disability limits your ability to work is very important. The more specific your doctor is, the stronger your case will be.
• Include Specialist Records: If you’ve seen specialists for your condition, make sure to include their records as well to show comprehensive care.
  

Step 3: Submit Your Application

You can apply for disability benefits in Indiana through the Social Security Administration (SSA). Here’s how:

• Apply Online: The fastest way is to apply through the SSA’s website at www.ssa.gov.
• Apply by Phone: You can also apply by calling the SSA at 1-800-772-1213.
• Apply In Person: Visit your local Social Security office to apply in person. Use the SSA Office Locator tool to find the office nearest to you.
  

Be sure to provide accurate and complete information about your medical condition, work history, and finances. Missing or incorrect information can delay your application.

Step 4: Understand the SSA’s Disability Evaluation Process

The SSA uses a five-step process to evaluate your disability claim. Familiarizing yourself with this process can help you understand what the SSA is looking for:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning above a certain amount, the SSA may decide that you are not disabled.
• Step 2: Severity of Condition: Your condition must significantly limit your ability to perform basic work tasks.
• Step 3: Meet a Listed Impairment: If your condition is on the SSA’s List of Impairments, it will be easier to qualify for benefits.
• Step 4: Past Work: The SSA will evaluate whether you can perform your past job. If not, they will move to the next step.
• Step 5: Other Work: Finally, the SSA will assess whether you can do any other type of work based on your age, education, and skills.

Be sure to provide sufficient medical evidence to demonstrate that your condition meets these criteria.

Step 5: Stay Organized and Follow Up

After submitting your application, it’s crucial to stay organized and follow up regularly:

• Create an SSA Online Account: This allows you to track your claim and check if any additional information is needed.
• Keep Copies of Everything: Be sure to keep a copy of your application, medical records, and any correspondence with the SSA.
• Call the SSA: If you haven’t heard back in a while, or if you have any questions about your application, contact the SSA at 1-800-772-1213 for updates.

Step 6: Prepare for a Possible Denial

Many disability claims are initially denied, but don’t be discouraged. You have the right to appeal the decision. Here’s how to handle a denial:

• Request Reconsideration: If your application is denied, the first step is to request a reconsideration, where the SSA will review your case again.
• Request a Hearing: If reconsideration doesn’t result in approval, you can request a hearing before an Administrative Law Judge (ALJ). This allows you to present your case in person.

Be sure to provide any new medical evidence or records during the appeals process to strengthen your case.

Step 7: Consider Legal Assistance

Although you can apply for disability benefits in Indiana on your own, you may want to consult with a disability attorney. A lawyer can help you:

• Ensure Your Application is Complete and Accurate: An attorney can help make sure all necessary documents and details are included, improving your chances of approval.
• Navigate the Appeals Process: If your claim is denied, a lawyer can guide you through the appeals process and represent you in hearings before an ALJ.
• Increase Your Chances of Success: A disability lawyer is familiar with the system and can ensure you’re following all the necessary steps.