Step 1: Determine Which Disability Program to Apply For

Before applying online, it’s important to know whether you should apply for SSDI or SSI.

• SSDI is for individuals who have worked and paid Social Security taxes over the years and have accumulated enough work credits. This program is based on your work history.
• SSI is a need-based program for individuals who have limited income and resources. It doesn't require a work history, but it does have strict financial eligibility requirements.

If you’re unsure which program to apply for, the SSA can help determine which one best fits your situation.

Step 2: Gather the Necessary Information

To apply online, you’ll need to have several pieces of information at hand. This ensures that the application process goes smoothly and that you can complete the online form without delays. Here's what you'll need:

Personal Information

• Social Security number.
• Birth certificate or proof of age.
• Names and contact information for people who know you and can provide information about your disability.
• Bank account information for direct deposit of your benefits (if approved).
  
  

Medical Information

• Names and addresses of the doctors or medical professionals who have treated you for your disability.
• Medical records, including dates of visits, treatments, tests, and results.
• Names of medications you are taking and their dosages.

Work and Financial Information

• Work history for the last 15 years (names of employers, dates of employment, and job titles).
• Detailed information about your income, including any other sources of benefits or financial support.

Having all of this information ready before starting your online application will save you time and help prevent mistakes.

Step 3: Create an SSA Online Account

To apply online, you’ll need to create an SSA online account. Here’s how to do it:

• Go to the SSA’s official website at www.ssa.gov.
• Click on the “Apply for Disability” link under the “Disability” section.
• You’ll be prompted to create an account if you don’t already have one. Follow the instructions to set up your My Social Security account.

Creating an account will allow you to track your application status and receive updates from the SSA.

Step 4: Begin Your Application

Once your account is set up, you can start the online application process. Here's a breakdown of what you can expect:

• Fill out the Online Form: The online application will ask you for detailed personal information about your disability, medical history, and work history. Be as thorough and accurate as possible, as any missing information can cause delays in processing your claim.
• Provide Medical Evidence: You will need to submit your medical records, test results, and information about your healthcare providers. If you have any ongoing treatment or if your condition is being managed by specialists, make sure to include this information as well.
• Disclose Your Work History: The SSA needs a detailed history of your work for the last 15 years. Be sure to provide the names of employers, dates of employment, and your job duties.

Step 5: Review and Submit Your Application

After completing the application, review your responses carefully to ensure all information is accurate. Make sure you haven’t missed any questions and that all necessary medical documentation is attached.

Once you’re satisfied with your application, you can submit it electronically to the SSA. You’ll receive a confirmation that your application has been received.

Step 6: Wait for the SSA’s Decision

After you submit your application, the SSA will begin reviewing your claim. This process can take several months. During this time, the SSA will:

• Review your medical records and determine if your condition qualifies as a disability.
• Verify your work history to ensure you meet the eligibility requirements for SSDI or SSI.

The SSA typically sends a decision within 3 to 5 months  of receiving your application. You can check the status of your claim through your SSA online account.

Step 7: If You’re Denied, Consider an Appeal

It’s important to know that many disability claims are denied initially, even if you have a legitimate claim. If your application is denied, you can request a reconsideration, which is the first step in the appeals process. If that is also denied, you can request a hearing before an Administrative Law Judge (ALJ).

• Reconsideration: The SSA will review your case again with the same evidence you submitted.
• Hearing: If reconsideration fails, a hearing before an ALJ will allow you to present your case in person, submit new evidence, and provide testimony.

Step 8: Keep Track of Your Application

Once your application is submitted, it’s important to stay organized and keep track of your progress. Here’s how you can stay on top of things:

• Check your SSA online account: This will let you track the status of your claim and see if the SSA needs additional information or documentation.
• Respond to requests promptly: If the SSA contacts you for additional information, respond as quickly as possible to avoid delays in the processing of your claim.

Consider Seeking Professional Help

While you can apply for disability benefits on your own, it can be helpful to have a Social Security disability attorney or advocate to assist you. A professional can help you navigate the application process, gather the necessary medical evidence, and ensure that your claim is as strong as possible.

Benefits of Legal Assistance:

• Help gathering medical records and evidence.
• Representation at hearings if your claim is denied.
• Guidance through the entire process to maximize your chances of approval.