Step 1: Determine Your Eligibility for SSDI

Before you apply for SSDI, make sure you meet the eligibility criteria:

• Work History: SSDI is for individuals who have worked and paid Social Security taxes for a certain number of years. The amount of work required depends on your age at the time you become disabled.
• Generally, you must have worked for at least 5 out of the last 10 years before your disability began.
• Disability: You must have a condition that severely limits your ability to work and is expected to last for at least 12 months or result in death.
• Substantial Gainful Activity (SGA): If you are currently working and earning above a certain threshold (which is $1,470 per month in 2025), you may not be eligible for SSDI.

If you meet these requirements, you can move forward with the application process.

Step 2: Gather Required Documents

When filing for SSDI, you'll need to provide a variety of documents to support your claim:

• Personal Information: Your Social Security number, birth certificate, or other identification.
• Work History: A complete record of your work history, including the names of employers, dates of employment, and the type of work you performed.
• Medical Records: Detailed medical evidence that supports your claim, such as:
• Doctor’s reports, hospital records, and test results.
• A letter from your treating physician explaining how your condition prevents you from working.
• Any records from specialists who are treating your condition.
• Proof of Income: Documents that show your income and resources, including pay stubs, tax returns, or other relevant financial records.

Step 3: Start the Application Process

You can apply for SSDI through several methods:

• Apply Online: The easiest and fastest way to apply is through the Social Security Administration’s website at www.ssa.gov. The online application allows you to submit your claim 24/7, and you can save your progress if you need to return later to complete it.
• Apply by Phone: You can call the SSA at 1-800-772-1213 and request an appointment to apply over the phone.
• Apply In-Person: You can visit your local Social Security office and apply in person. It’s best to make an appointment to ensure you have the necessary documents and avoid long wait times.

Step 4: Complete the SSDI Application

The application will ask for detailed information about your medical condition, work history, and daily activities. Some tips for filling out the application:

• Be honest and thorough: Provide as much detail as possible about how your condition affects your ability to work and perform daily tasks.
• Describe your condition in detail: Explain how your condition prevents you from working, including limitations in movement, thinking, or performing other work-related tasks.
• Follow all instructions carefully: Make sure you provide all necessary documentation. Missing or incomplete information can lead to delays or a denial of benefits.

Step 5: Submit Your Application

Once you've completed your application and gathered all required documents, submit your application either online, over the phone, or in person.

• Keep copies of everything: It's important to keep a copy of the application, any medical records, and all correspondence with the SSA for your records.
• Stay organized: This will help you keep track of your claim status and respond quickly if the SSA requests additional information.

Step 6: Wait for a Decision

After you submit your SSDI application, it may take several months for the SSA to review your case and make a decision. They will determine if you meet the eligibility requirements and whether your condition qualifies under the SSA’s Listing of Impairments.

• Track your application status: Create an online account with the SSA to check the status of your application. You can also contact the SSA by phone to inquire about the progress.
• Keep your records up to date: If your condition changes or you receive additional medical treatment, be sure to provide updated information to the SSA.

Step 7: Be Prepared for a Denial

Many SSDI claims are initially denied, even if you meet all the eligibility criteria. If your claim is denied, don’t give up— you have the right to appeal. The SSA has an appeals process that allows you to request a reconsideration of your claim, and if denied again, you can request a hearing before an Administrative Law Judge (ALJ).