Step 1: Understand the Eligibility Criteria

Before you start the application process, it’s essential to ensure that you meet the SSA’s eligibility requirements for Social Security Disability. You must demonstrate that you have a disability that:

• Prevents you from working: Your condition must be severe enough to stop you from engaging in substantial gainful activity (SGA) for at least 12 months or be expected to result in death.
• Meets SSA’s disability definition: The SSA defines a disability as a physical or mental condition that prevents you from performing basic work-related activities.
• Work history: For Social Security Disability Insurance (SSDI), you need to have worked and paid into Social Security for a certain number of years, typically at least 5 out of the last 10 years, depending on your age.
• Financial eligibility for SSI: If you are applying for Supplemental Security Income (SSI), the program is needs-based, so you must have limited income and resources, without the work history requirement.

Step 2: Gather Comprehensive Medical Documentation

One of the most critical factors in getting your Social Security Disability claim approved is providing sufficient medical evidence to prove that your condition meets the SSA’s definition of disability. Here’s how to ensure your medical documentation is thorough:

• See your doctor regularly: Consistent medical visits help create a detailed record of your condition, which is essential for your claim.
• Get detailed medical records: Your doctor’s notes, test results, lab work, and hospital records should all be included as evidence of your disability.
• Obtain a letter from your doctor: A letter from your primary care physician or specialists outlining how your condition prevents you from working is incredibly helpful. The more specific and detailed the letter is, the better.
• Include all specialists: If you’re receiving treatment from specialists, be sure to include their records as well, which will demonstrate that you are receiving comprehensive care.

Step 3: Complete the Application Accurately

A common mistake in Social Security Disability claims is making errors or leaving out information when filling out the application. Here’s how to avoid delays and mistakes:

• Apply online: The SSA’s website at www.ssa.gov allows you to apply for Social Security Disability online, which is typically faster than applying by phone or in person.
• Be detailed and honest: Provide as much detailed information as possible about your condition, work history, and income. Failing to disclose all relevant information can hurt your credibility and may delay the process.
• Provide all required documents: Submit all requested documents, including medical records, your work history, and any other required documentation. Missing documents can result in delays or a denial of your claim.

Step 4: Understand the SSA’s Five-Step Process

The SSA uses a five-step process to determine whether you qualify for Social Security Disability benefits. Here’s what you need to know:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning above a certain amount, the SSA may determine you are not disabled. For 2025, the SGA threshold is $1,470 per month for non-blind individuals.
• Step 2: Severe Condition: Your condition must significantly limit your ability to perform basic work tasks.
• Step 3: Meet a Listed Impairment: If your condition matches one of the SSA’s “Listing of Impairments”, it is presumed to be disabling. If not, the SSA moves to the next step.
• Step 4: Past Work: The SSA will determine if you can still perform any of your past work. If you cannot, the SSA proceeds to the next step.
• Step 5: Other Work: The SSA will determine if you can do any other type of work based on your skills, education, and age.

To increase your chances of approval, make sure your medical evidence supports your ability to meet the SSA’s criteria at each step.

Step 5: Stay Organized and Follow Up

Once you submit your disability application, it’s crucial to stay organized and keep track of the process:

• Create an online account: You can check the status of your claim through your SSA online account. This will allow you to see if any additional documents are needed or if there are updates.
• Respond promptly: If the SSA requests additional information, respond as quickly as possible to avoid delays.
• Keep copies of all documents: Make sure you have copies of everything you submit, including medical records and any correspondence from the SSA.

Step 6: Be Prepared for a Possible Denial

It’s not uncommon for Social Security Disability claims to be denied initially, even if you meet the eligibility criteria. If your claim is denied, don’t be discouraged. You have the right to appeal the decision:

• Request a reconsideration: If your claim is denied, the first step is to request a reconsideration, where the SSA will review your claim again.
• Request a hearing: If reconsideration is unsuccessful, you can request a hearing before an Administrative Law Judge (ALJ), where you will have the opportunity to present your case in person.
• Gather additional evidence: If you’re appealing, ensure that you provide any new or additional medical evidence that can support your claim.

Consider Legal Help If Needed

While it’s possible to get Social Security Disability approved without a lawyer, having professional assistance can increase your chances of success. A lawyer can:

• Help you gather and organize your medical evidence.
• Guide you through the complex SSA application process.
• Represent you during hearings or appeals.

At Hogan Smith, we specialize in helping individuals navigate the Social Security Disability process. Our team can help you with every step, from applying for benefits to appealing a denial.