Steps to File for Social Security Disability for PTSD

Step 1: Understand the Eligibility Requirements

Before you start the process, ensure you meet the SSA’s eligibility criteria for Social Security Disability benefits. To qualify for SSDI, you must have worked and paid into Social Security for a specific number of years. If you don’t have sufficient work history, you may qualify for SSI, which is based on financial need and doesn’t require a work history.

For PTSD, the SSA looks for clear evidence that the condition limits your ability to perform basic work functions for at least 12 months or is expected to result in death.

Step 2: Gather Medical Documentation

Strong, detailed medical evidence is crucial in proving your PTSD disability. Here’s what you need to do:

• See a Mental Health Professional Regularly: Establish a relationship with a therapist, psychiatrist, or psychologist. Regular treatment creates a comprehensive record of your condition, which is essential for your case.
• Get Complete Medical Records: Ensure all records from your doctor, therapist, hospital, and other specialists are up-to-date and thorough. Include detailed notes on how PTSD affects your daily life and ability to work.
• Get Your Doctor’s Opinion: A letter from your treating mental health professional that clearly outlines your PTSD symptoms and how they prevent you from working will significantly strengthen your claim.

Step 3: Understand the SSA’s Criteria for PTSD

The SSA evaluates PTSD claims based on specific mental health criteria. PTSD is often categorized as a mental impairment under SSA’s Listing of Impairments. To qualify for SSD benefits with PTSD, you need to show that your condition causes limitations in at least two of the following areas:

• Understanding or applying information
• Interacting with others
• Concentrating on or maintaining pace
• Adapting or managing oneself

If your PTSD symptoms interfere significantly with your ability to function in these areas, you may meet the SSA’s criteria for disability.

Step 4: Complete the Application Accurately

Filling out the application form accurately and thoroughly is critical to avoid delays or denials. You can apply for Social Security Disability benefits online at www.ssa.gov, but make sure to carefully read each question and answer honestly.

• Provide All Necessary Documents: Submit all requested documentation, including medical records and any supporting evidence from your mental health providers.
• Be Honest and Specific: Provide detailed information about how PTSD affects your ability to work, manage daily tasks, and maintain relationships. Don’t leave any important details out.

Step 5: Follow Up and Stay Organized

Once you submit your application, keep track of its progress. The SSA might request additional information, and staying on top of these requests will prevent unnecessary delays.

• Create an SSA Online Account: This allows you to monitor your claim’s status and receive updates on your application.
• Contact the SSA if Needed: If you don’t receive an update or need clarification, call the SSA at 1-800-772-1213.

Step 6: Be Prepared for a Denial

It's not uncommon for Social Security Disability claims for PTSD to be denied initially. If your claim is denied, don’t be discouraged—many applicants have their claims approved after appealing.

• Request Reconsideration: If your claim is denied, the first step is to request a reconsideration. This is a review of your claim by the SSA.
• Request a Hearing: If your reconsideration is also denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your chance to present your case in person.
• Submit Additional Evidence: If you appeal, you can submit new medical records or other documents to support your case.