Step 1: Determine If You Are Eligible for SSDI

Before applying for SSDI online, make sure you meet the eligibility requirements. To qualify for SSDI, you need to:

• Have worked long enough in jobs covered by Social Security to earn enough work credits (typically 40 credits, with 20 earned in the last 10 years).
• Have a medical condition that is severe enough to prevent you from working and is expected to last for at least 12 months or result in death.

If you meet these criteria, you can proceed with the application process.

Step 2: Gather Your Information and Documents

Before starting your online SSDI application, make sure you have all the necessary information and documents ready. Here’s what you’ll need:

• Personal information: Full name, date of birth, and contact details.
• Social Security number: To verify your identity.
• Work history: Information about your past jobs, including dates of employment and your employer’s contact information.
• Medical records: Details about your disability, including the name of your treating doctors, medical facilities, and dates of treatment. Make sure to have any medical evidence that supports your disability claim.
• Bank information: For direct deposit of your SSDI benefits, have your bank account details handy (bank name, account number, and routing number).

Step 3: Create a Social Security Account

Before you can apply for SSDI online, you’ll need to create a my Social Security account on the SSA’s website. This account will allow you to track your application, receive updates, and communicate with the SSA during the process.

• Go to the SSA’s website at www.ssa.gov.
• Select the "Sign In/Up" option to create your account.
• Provide your personal information, including a valid email address.
• Follow the instructions to verify your identity and set up your account.

Step 4: Start Your SSDI Application

Once you’ve created an account, you can begin the SSDI application process. Here’s how:

• Go to the SSDI Online Application Page: Visit the SSA’s online application page at www.ssa.gov/disability.
• Select "Apply for Disability": Click on the link to start your SSDI application. The website will guide you through the process step by step.
• Fill Out the Application: Answer all questions as accurately and completely as possible. The SSA will ask about your work history, medical condition, and other details related to your disability.
• Provide Medical Information: Be prepared to provide information about your doctors, hospitals, and treatments. The SSA may also ask for specific details regarding your limitations and how your condition affects your ability to work.

Step 5: Review and Submit Your Application

After completing the application form, review all of your answers carefully to ensure accuracy. Incorrect or incomplete information could cause delays in the processing of your claim. Once you’re confident everything is correct, submit your application.

• Confirmation: After submitting, you will receive a confirmation receipt. Be sure to save this for your records.
• Follow Up: You can track the status of your application through your my Social Security account or by calling the SSA’s customer service.

What Happens After You Apply

After you submit your SSDI application online, the SSA will review your case. Here’s what to expect:

• Initial Review: The SSA will assess your medical condition and work history. If necessary, they may request additional information from your healthcare providers or employers.
• Decision: You will receive a decision in writing from the SSA. If approved, you will begin receiving SSDI benefits. If denied, you can appeal the decision.

Common Mistakes to Avoid When Applying Online

While applying online for SSDI is straightforward, there are a few common mistakes to watch out for:

• Incomplete application: Missing information can delay your claim or result in a denial.
• Lack of detailed medical records: Make sure to provide as much information about your medical condition as possible to avoid delays.
• Not meeting eligibility requirements: Ensure you meet the work history and medical requirements before applying.

Need Help with Your SSDI Application?

If you’re unsure about the online application process or need assistance gathering the necessary documentation, it’s a good idea to seek help. While you can apply for SSDI on your own, getting professional assistance can increase your chances of success.