Ensure You Meet the Eligibility Criteria

Before starting your application, confirm that you meet the basic eligibility requirements for SSDI or SSI.

• SSDI: You need to have worked and paid Social Security taxes for a certain number of years, usually at least 5 years out of the last 10 years. Your disability must prevent you from working for at least 12 months or be expected to result in death.
• SSI: For SSI, you don’t need a work history, but you must meet financial eligibility criteria. You need to have a limited income and assets.

Gather Detailed Medical Evidence

The most important factor in getting approved for disability is proving the severity of your condition. The Social Security Administration (SSA) requires medical documentation that demonstrates your disability prevents you from working. Here’s how to gather the necessary medical evidence:

• See Your Doctor Regularly: Keep up with doctor visits and treatments. Regular medical visits create a clear record of your condition, which is essential for your claim.
• Request Complete Medical Records: Gather all relevant medical documents, including doctor’s notes, lab results, and hospital records. Make sure everything is up to date and accurate.
• Obtain Letters from Your Doctors: A letter from your treating physician explaining how your disability impacts your ability to work can be very helpful. The more specific and detailed the doctor is about your limitations, the better.
• Include Specialists’ Records: If you see any specialists, include those medical records as well to show comprehensive care.

Complete the Application Accurately

Filling out the disability application accurately is essential. A mistake or missing information could delay your application or result in a denial. Here’s what to do:

• Apply Online: The SSA offers an online portal to apply for SSDI or SSI. Visit www.ssa.gov to start the process.
• Be Thorough and Honest: Answer all questions honestly and provide as much detail as possible, especially about your medical condition and work history.
• Include All Necessary Documents: Ensure that you submit all requested documents, such as your medical records, work history, and financial information. Missing documents will cause delays.

Understand the SSA’s Disability Evaluation Process

The SSA uses a five-step process to evaluate your disability application. Understanding these steps will help you ensure that your application meets their criteria:

• Step 1: Substantial Gainful Activity (SGA) – If you are currently working and earning more than a certain amount each month, the SSA may determine you are not disabled.
• Step 2: Severe Condition – Your condition must be severe enough to limit your ability to perform basic work activities.
• Step 3: Meet a Listed Impairment – If your condition is on the SSA’s Listing of Impairments, you may automatically qualify for benefits.
• Step 4: Past Work – The SSA will assess whether you can perform any of your past jobs.
• Step 5: Other Work – Finally, the SSA will determine whether you can do any other work based on your skills, education, and age.

To improve your chances of approval, make sure you provide enough medical evidence to meet the SSA’s definition of disability at each of these steps.

Follow Up and Stay Organized

After submitting your application, stay on top of the process and keep records of all communications with the SSA. Here’s what to do:

• Create an Online Account: This will allow you to track the status of your claim and see if any additional information is needed.
• Respond Quickly to Requests: If the SSA asks for additional documentation, respond promptly to avoid delays.
• Call the SSA: If you haven’t received an update or have questions about your application, contact the SSA at 1-800-772-1213 for assistance.

Be Prepared for a Possible Denial

It’s common for disability applications to be denied initially, even if you have a valid case. If your claim is denied, don’t be discouraged. You can appeal the decision. Here’s what to do:

• Request Reconsideration: The first step in the appeals process is requesting that the SSA review your case again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ), where you can present your case in person.
• Submit New Evidence: If you’re appealing, ensure you submit any new medical records or information that could strengthen your case.

Consider Legal Help to Improve Your Chances

While it’s possible to get approved for disability on your own, working with a disability lawyer can significantly increase your chances of success. A lawyer can help you:

• Complete your application accurately and thoroughly.
• Gather the necessary medical evidence to support your case.
• Represent you during the appeals process if your claim is denied.

Many disability lawyers work on a contingency fee basis, meaning they only get paid if you win your case.