Step 1: Understand the Eligibility Requirements

Before you apply for disability benefits, you need to ensure that you meet the eligibility requirements for either SSDI or SSI:

• SSDI Eligibility: You must have worked for a certain number of years and paid into the Social Security system through payroll taxes. Your eligibility is based on your work history and the number of work credits you have earned.
• SSI Eligibility: SSI is designed for individuals with limited income and resources. You don’t need a work history to qualify, but you must meet financial requirements, including having less than $2,000 in assets if you’re single (or $3,000 if you’re married).
• Disability Requirement: For both programs, you must have a severe disability that prevents you from working and is expected to last at least 12 months or result in death.

Step 2: Gather the Required Documents

When applying for disability benefits in Missouri, you’ll need several important documents to support your claim:

• Personal Information: Your Social Security number, birth certificate, and contact details.
• Medical Records: Information about your medical condition(s), including medical records, test results, doctor’s notes, hospital visits, and anything that shows how your condition limits your ability to work.
• Income and Resources: For SSI, you’ll need to provide financial information such as bank statements, income details, and any assets you own.
• Work History (for SSDI applicants): If applying for SSDI, you’ll need to provide details about your past jobs, including employer names and dates of employment.

Step 3: Apply for Disability Benefits in Missouri

You can apply for disability benefits in Missouri in several ways. The process is fairly straightforward, and you can apply from the comfort of your own home or at a local SSA office. Here are the main ways to apply:

• Online: The easiest way to apply is through the Social Security Administration (SSA) website at www.ssa.gov. Both SSDI and SSI applications can be completed online, and you can track the status of your application through your SSA online account.
• By Phone: If you can’t apply online, you can call the SSA at 1-800-772-1213 to start your application by phone. A representative will help guide you through the process.
• In Person: You can also apply for disability benefits by visiting your local SSA office in Missouri. Use the SSA office locator tool on their website or call their toll-free number to find the nearest office.

Step 4: Complete the Application

When you fill out your disability application, make sure you provide detailed and accurate information about:

• Your Medical Condition(s): Be as specific as possible about your condition(s) and how they impact your ability to perform work tasks.
• Work History: If applying for SSDI, provide accurate details about your past employment, including job titles, employers, and dates worked.
• Income and Assets: For SSI, include full information on your income, savings, and any assets you have. The SSA will use this to determine whether you qualify for SSI benefits.

Step 5: Wait for a Decision

After you submit your application, the SSA will review your case. This process typically takes 3 to 5 months. Here’s what to expect:

• Initial Review: The SSA will look at your medical records and other information you’ve submitted to determine if you meet the criteria for disability benefits.
• Consultative Examination: In some cases, the SSA may request you undergo a consultative examination with a doctor to further assess the severity of your disability.
• Approval or Denial: After reviewing your case, the SSA will issue a decision. If your application is approved, you’ll start receiving benefits. If your application is denied, you’ll receive a letter explaining why, and you’ll have the option to appeal.

Step 6: Appeal If Your Application Is Denied

It’s common for disability applications to be denied on the first attempt, but don’t get discouraged. You have the right to appeal the decision:

• Request Reconsideration: The first step is to request a reconsideration of your case. You’ll be asked to provide additional evidence if necessary.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). At this stage, you can present new evidence or testimony to support your claim.
• Further Appeals: If your hearing is unsuccessful, you can request a review by the Appeals Council or even take your case to federal court.