Step 1: Understand the Eligibility Requirements

Before filing for disability benefits, it's important to understand the eligibility criteria for SSDI and SSI.

• SSDI: You need to have worked and paid into the Social Security system for a certain number of years. Typically, you need 40 work credits, 20 of which must have been earned in the last 10 years.
• SSI: This program is for individuals who have limited income and resources, and it doesn’t require a work history. SSI is based on financial need and is available to those with disabilities, the elderly, or those who are blind.

Both programs require you to show that your condition is severe enough to prevent you from working for at least 12 months or is expected to result in death.

Step 2: Gather the Necessary Documentation

To apply for disability benefits, you will need to gather the following documents and information:

• Personal Information: Full name, Social Security number, birth certificate, and contact information.
• Medical Records: Detailed medical records from your healthcare providers documenting your condition, including diagnoses, treatment plans, and how your disability affects your ability to work.
• Employment History: Dates and details about your work history, including the names of employers, job titles, and duties.
• Financial Information: For SSI applicants, you will need to provide details about your income, assets, and resources.

The more thorough and up-to-date your medical documentation, the stronger your case will be. Be sure to include records from all your doctors, specialists, and any hospital visits that are relevant to your claim.

Step 3: Apply Online or In-Person

You can apply for Social Security Disability benefits in Connecticut either online, by phone, or in person:

• Online: The fastest way to apply is through the SSA’s online portal at www.ssa.gov. The online application is available for SSDI claims, and you can start the process by creating an account.
• Phone: If you prefer, you can apply by phone by calling the SSA at 1-800-772-1213. You can make an appointment with your local SSA office to start the application process.
• In Person: If you would rather apply in person, visit your local SSA office in Connecticut. You can find the nearest office using the SSA office locator on their website.

Step 4: Complete the Disability Report

When applying for disability benefits, you will need to complete a Disability Report. This is a comprehensive form where you’ll provide detailed information about your condition, how it affects your daily life, and how it prevents you from working.

You will also need to fill out a Work History Report (for SSDI applicants), which asks for detailed information about the jobs you’ve had over the last 15 years. This helps the SSA assess your ability to work and whether your condition affects your ability to do your past job or any other type of work.

Step 5: Submit Your Application

Once you’ve completed your application and the necessary forms, submit them to the SSA. This can be done electronically if you applied online or by mail if you applied in person or by phone. Be sure to submit all required documents, including medical records and work history, to avoid delays.

Step 6: Wait for a Decision

The SSA typically takes 3 to 5 months to process an application for disability benefits. During this time, they will review your medical records, work history, and other relevant information to determine whether you meet the SSA’s definition of disability.

If your application is approved, you will receive a letter from the SSA notifying you of your benefit amount and when payments will begin. If your application is denied, don’t be discouraged. Many disability claims are denied initially, but you can appeal the decision.

Step 7: Appeal a Denied Claim

If your disability claim is denied, you have the right to appeal the decision. The SSA allows for a multi-step appeal process:



• Request Reconsideration: This is the first level of appeal, where your case is reviewed by someone who was not involved in the initial decision.
• Request a Hearing: If your claim is denied again, you can request a hearing before an Administrative Law Judge (ALJ).
• Appeals Council: If the ALJ denies your claim, you can request a review by the Appeals Council.
• Federal Court: If the Appeals Council denies your case, you can appeal to federal court.

Step 8: Consider Getting Legal Help

While you can apply for Social Security Disability on your own, it may be beneficial to consult with an attorney who specializes in disability law. A lawyer can help you navigate the application process, gather the right medical evidence, and represent you in hearings if your claim is denied.