Step 1: Understand the Two Types of Disability Benefits

Before you apply, it’s important to understand the two main types of disability benefits offered by the Social Security Administration (SSA):

• Social Security Disability Insurance (SSDI): SSDI is available to individuals who have worked and paid Social Security taxes for a sufficient number of years. If you’ve worked long enough and contributed to Social Security, you may qualify for SSDI benefits.
• Supplemental Security Income (SSI): SSI is a needs-based program for individuals who are disabled, blind, or elderly and have limited income and resources. SSI does not require a work history, but you must meet strict financial eligibility criteria.

Step 2: Check if You Meet the Eligibility Requirements

Before applying for disability benefits, you need to confirm that you meet the eligibility criteria. Here’s a breakdown:

For SSDI:

• You must have worked in jobs covered by Social Security.
• You must have paid Social Security taxes during your employment.
• Your disability must prevent you from working and is expected to last for at least 12 months or result in death.

For SSI:

• You must have limited income and resources.
• There is no work requirement, but your disability must prevent you from engaging in substantial work.

Additionally, your condition must meet the SSA’s definition of disability. This means your condition must prevent you from performing basic work-related tasks for at least 12 months or be expected to result in death.

Step 3: Gather Medical Evidence

One of the most critical aspects of your disability claim is providing medical evidence that supports your disability. The SSA needs detailed documentation to show how your condition impairs your ability to work. Here’s how to gather the necessary evidence:

• See your doctor regularly: Consistent medical care creates a record that shows how your condition affects your ability to perform daily tasks and work.
• Get complete medical records: Gather records from your healthcare providers, including doctor’s notes, test results, hospital records, and any other documentation that supports your claim.
• Include a statement from your doctor: A letter from your physician explaining how your disability affects your ability to work can be highly beneficial.
• Include records from specialists: If you see any specialists (e.g., neurologists, psychologists), their records can provide additional proof of the severity of your condition.

Step 4: Complete the Disability Application

Once you have gathered all the necessary medical documentation, you can begin the application process. In Nebraska, you can apply for disability benefits in several ways:

• Online: The fastest and easiest way to apply is online through the Social Security Administration (SSA) website at www.ssa.gov. The online application guides you through the process step-by-step.
• By Phone: You can apply by phone by calling the SSA’s toll-free number at 1-800-772-1213. A representative will assist you in completing your application.
• In Person: If you prefer to apply in person, you can visit your local Social Security office. To find the nearest office, visit the SSA’s office locator at SSA office locator.

Step 5: Understand the SSA’s Five-Step Evaluation Process

The SSA uses a five-step process to evaluate disability claims. Understanding this process is key to providing the necessary information and improving your chances of approval:

• Step 1: Are you working?
  If you are earning above a certain income threshold (in 2025, $1,470 per month for non-blind individuals), the SSA may decide you are not disabled.
• Step 2: Is your condition severe?
  Your condition must significantly limit your ability to do basic work tasks. If your condition is not severe enough, your claim may be denied.
• Step 3: Does your condition meet a listed impairment?
  If your condition is listed in the SSA’s Listing of Impairments, you will be automatically approved for benefits. This list includes a variety of physical and mental health conditions.
• Step 4: Can you do your previous work?
  The SSA will look at whether you can perform any of the work you did in the past. If you can, your claim may be denied.
• Step 5: Can you do any other type of work?
  If you can’t perform your past work, the SSA will determine whether there are other jobs you can do based on your skills, age, education, and experience.

Step 6: Be Prepared for a Denial

It’s common for disability claims to be denied initially, even if you have a valid claim. If your claim is denied, don’t get discouraged. You have the right to appeal. The process for appealing a denial includes:

• Requesting Reconsideration: If your initial application is denied, you can ask the SSA to review your case again.
• Requesting a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your chance to present your case in person, and many cases are overturned at the hearing level.
• Providing Additional Evidence: During the appeals process, you can submit any new medical records or other evidence to strengthen your claim.

Step 7: Seek Professional Help

While it’s possible to apply for disability benefits on your own, many people choose to work with a disability attorney or advocate. If you are unsure about your eligibility or the process, a lawyer can:

• Help you complete the application and ensure it’s accurate.
• Gather the necessary medical evidence to support your claim.
• Represent you during the appeals process if your claim is denied.