Step 1: Determine Your Eligibility

Before applying, make sure you meet the basic eligibility requirements for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI):

• SSDI: To qualify for SSDI, you must have worked and paid into Social Security for a certain number of years, generally 5 out of the last 10 years.
• SSI: SSI is based on financial need, and it doesn’t require a work history, but it has strict income and asset limits.

In both programs, you must prove that your condition prevents you from working for at least 12 months or is expected to result in death. Review the SSA’s Listing of Impairments to see if your condition is listed.

Step 2: Gather Your Medical Evidence

The SSA requires substantial medical evidence to prove that you are disabled. The more detailed and comprehensive your medical records are, the better your chances of approval. Here’s how to gather evidence:

• See Your Doctor Regularly: Consistent visits to your doctor create a clear medical history, which is crucial for your claim.
• Obtain Complete Medical Records: Request your medical records from all treating physicians, specialists, hospitals, and clinics you have visited.
• Get a Letter from Your Doctor: A letter from your treating doctor outlining how your disability affects your ability to work can be pivotal.
• Include Records from Specialists: If you see specialists, make sure to include their reports as well, as they offer a more detailed view of your condition.
  

Step 3: Submit Your Application

You can apply for disability benefits in Missouri through the SSA’s online portal, by phone, or in person. Here’s how to start:

• 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 condition, work history, and finances. Any missing details or incorrect information can delay the process.

Step 4: Understand the SSA’s Disability Evaluation Process

The SSA evaluates your disability claim using a five-step process. Familiarizing yourself with the criteria will help you understand what the SSA is looking for:

• Step 1: Substantial Gainful Activity (SGA): If you are earning above a certain threshold, the SSA may determine 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 listed in the SSA’s List of Impairments, you will likely be approved more quickly.
• Step 4: Past Work: The SSA will determine if you are capable of performing any of your past work.
• Step 5: Other Work: If you cannot perform your past work, the SSA will decide if you can perform any other kind of work based on your skills, education, and age.

Make sure to provide detailed medical documentation that demonstrates you meet the SSA’s criteria at each of these steps.

Step 5: Follow Up and Stay Organized

After submitting your application, staying organized and keeping track of your application’s progress is essential. Here’s how to keep things on track:

• Create an SSA Online Account: This allows you to monitor the status of your claim and check if additional documents are required.
• Keep Copies of Everything: Make sure you keep copies of your medical records, correspondence with the SSA, and any forms you’ve submitted.
• Stay in Touch with the SSA: If you don’t hear back or if there are any issues with your application, call the SSA at 1-800-772-1213 to check the status and ask questions.

Step 6: Be Prepared for a Possible Denial

Many initial disability claims are denied. If you receive a denial, don’t give up. You have the right to appeal the decision. Here’s how:

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

Be sure to provide any new medical records or information that may strengthen your case during the appeal process.

Step 7: Consider Legal Assistance

While you can apply for disability benefits in Missouri on your own, many applicants benefit from legal assistance. A disability lawyer can help you:

• Ensure Your Application is Complete: A lawyer can help make sure your application is thorough and accurate, minimizing the chances of mistakes that could delay the process.
• Gather Necessary Evidence: Disability lawyers know exactly what evidence is required and can help you obtain the necessary documentation.
• Navigate the Appeals Process: If your claim is denied, an experienced attorney can represent you during the appeals process, which increases your chances of approval.