Step 1: Determine Your Eligibility

The very first thing you need to do is figure out if you qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI)—or both.

• SSDI is for individuals who have worked and paid into Social Security through payroll taxes.
• SSI is for individuals with limited income and resources, regardless of work history.

To qualify for either, your condition must:

• Be medically determinable
• Prevent you from working
• Be expected to last at least 12 months or result in death

Step 2: Gather Necessary Information

Before filling out your application, you’ll want to gather key documents and details, such as:

• Medical records and diagnoses
• Contact information for your doctors and clinics
• Your complete work history for the past 15 years
• A list of medications and treatments
• Your education and job training background
• Financial records (for SSI applicants)

This preparation is crucial—it ensures your application is thorough and accurate.

Step 3: Choose How to Apply

Once you’re ready, you can apply:

• Online at ssa.gov
• By phone at 1-800-772-1213
• In person at your local Social Security office

Online is typically the fastest option, but if your case is complex, talking to someone directly might help avoid mistakes.

Step 4: Submit and Follow Up

After submitting your application, monitor your case through your my Social Security account. The SSA may request additional information or schedule a consultative exam—respond promptly to avoid delays.