Step 1: Understand the Types of Disability Benefits

There are two main types of disability benefits available through the Social Security Administration (SSA) that you may qualify for in Missouri:

• Social Security Disability Insurance (SSDI): This program is for individuals who have worked and paid into Social Security through payroll taxes for a sufficient number of years. SSDI benefits are based on your work history and contributions to the Social Security system.
• Supplemental Security Income (SSI): SSI is a needs-based program for individuals with limited income and resources, regardless of whether they have a work history. SSI is designed to help those who are financially disadvantaged and have a severe disability that prevents them from working.

Step 2: Check the Eligibility Criteria

To qualify for either SSDI or SSI in Missouri, you must meet certain medical and non-medical requirements:

For SSDI:

• You must have worked and paid Social Security taxes for a certain number of years.
• You must have a medical condition that significantly limits your ability to work and is expected to last for at least 12 months or result in death.

For SSI:

• You must have limited income and resources.
• You must have a medical condition that prevents you from working for at least 12 months or results in death.

Step 3: Gather the Necessary Documents

Before applying for disability in Missouri, make sure you have all the necessary documents and evidence, including:

• Medical Records: Provide documentation from your treating physicians, hospitals, clinics, or other medical professionals detailing your disability.
• Work History: If you are applying for SSDI, you'll need your work history and records of your earnings.
• Income and Resource Information: If you are applying for SSI, you will need to provide information about your income, assets, and living situation.

Step 4: Apply for Disability

Once you're prepared, you can apply for disability benefits in Missouri through the following methods:

• Online: The easiest way to apply for SSDI or SSI is through the SSA’s online application portal at www.ssa.gov.
• By Phone: Call the SSA at 1-800-772-1213 to apply by phone. You can speak with a representative who will assist you in the application process.
• In-Person: You can also visit your local SSA office in Missouri to apply in person. Use the SSA’s office locator to find the nearest office.

Step 5: Wait for a Decision

After you submit your application, the SSA will review your case. This process may take several months, so it’s important to be patient. The SSA will evaluate your medical records, work history (if applicable), and other relevant information.

Step 6: What Happens If You're Denied?

It’s common for initial disability claims to be denied, even if you have a valid case. If your claim is denied, you have the option to appeal the decision. The appeals process in Missouri includes the following steps:

• Reconsideration: Request a reconsideration of your claim by a different SSA reviewer.
• Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ).
• Appeals Council: If the ALJ denies your claim, you can ask the SSA's Appeals Council to review the decision.
• Federal Court: If all else fails, you can appeal to a federal court.