Step 1: Determine Your Eligibility

Before starting your disability claim, it’s essential to confirm that you meet the eligibility requirements for either SSDI or SSI:

• SSDI: Requires you to have a work history and have paid into Social Security for a certain number of years.
• SSI: Primarily for low-income individuals with disabilities and does not require a work history.

For both programs, you must demonstrate that your disability prevents you from working for at least 12 months or will result in death.

Step 2: Gather Your Medical Information

Medical evidence is the foundation of your disability claim. Be prepared to gather all the necessary documentation that shows the extent of your disability.

• Medical Records: Ensure you have complete records of your doctor visits, hospital stays, test results, and any other relevant medical information.
• Doctor’s Opinion: A statement from your doctor explaining how your condition impacts your ability to work can greatly strengthen your claim.
• Specialist Records: If you see specialists, include those medical records as well.

Step 3: Fill Out Your Application

Once you've gathered your medical information, the next step is to complete your disability application.

• Online Application: The easiest way to apply for Social Security Disability is through the SSA’s online portal at www.ssa.gov. The application can take a bit of time, so make sure you have all your details ready.
• Paper Application: You can also apply by phone or in person at your local Social Security office if you prefer not to apply online.

Make sure to answer all questions truthfully and provide complete, accurate information. Incomplete or incorrect information can delay the process or lead to a denial.

Step 4: Provide Your Work and Financial History

For SSDI, the SSA will need details about your work history. Be sure to provide:

• Names and dates of your employers.
• A description of the work you performed.
• The dates you worked and the reasons for leaving those jobs.

For SSI, you’ll need to provide financial information about your household’s income and assets.

Step 5: Submit Your Application and Documents

Once your application is complete, submit it to the SSA along with all the necessary documentation, including medical records, your work history, and any other required documents.

Step 6: Follow Up on Your Claim

After submitting your claim, it’s essential to track its progress.

• Create an SSA Online Account: This allows you to check the status of your claim and ensure there are no issues or missing information.
• Call the SSA: If you haven’t received any updates or have questions, don’t hesitate to call 1-800-772-1213 for assistance.

Step 7: Be Prepared for a Possible Denial

Many disability claims are initially denied. If this happens, don’t be discouraged. You can appeal the decision and provide additional evidence to support your claim.

Consider Legal Help

While you can apply for Social Security Disability on your own, consulting with a disability lawyer can make the process easier, especially if you’re unsure about gathering the necessary documentation or if your claim gets denied.