Step 1: Determine Which Disability Program to Apply For

In Illinois, you can apply for two main types of disability benefits:

• Social Security Disability Insurance (SSDI): This program is for individuals who have worked and paid into Social Security through payroll taxes. You must have a work history and meet certain eligibility criteria to qualify.
• Supplemental Security Income (SSI): This program is for individuals with limited income and resources, regardless of their work history. SSI is designed to help people who are disabled, blind, or over the age of 65.

In Illinois, these federal programs are administered by the Social Security Administration (SSA), so the application process is the same for both.

Step 2: Check Your Eligibility for SSDI or SSI

Before you apply, you need to determine whether you meet the eligibility requirements for SSDI or SSI. The criteria for both programs include:

• For SSDI: You must have worked for a certain number of years and paid into Social Security through FICA taxes. Generally, you need to have worked for at least 5 of the last 10 years to qualify, but this can vary depending on your age.
• For SSI: You must have a disability and a limited income and resources. There are specific financial limits set by the SSA, and your household income will be considered when determining eligibility.

Additionally, for both SSDI and SSI, you must prove that your disability prevents you from working for at least 12 months or is expected to result in death.

Step 3: Gather Medical Documentation

One of the most important steps when applying for disability in Illinois is providing comprehensive medical documentation.  Your application will need to include detailed evidence that shows your disability prevents you from working.

• Visit your healthcare provider regularly and follow treatment plans.
• Obtain medical records, doctor’s notes, test results, and diagnoses that show the extent of your condition.
• Ask your doctor for a statement or letter that explains how your disability limits your ability to work.

The more detailed and up-to-date your medical records are, the stronger your case will be.

Step 4: Complete the Disability Application

Once you have your medical documentation ready, it’s time to complete the application.  In Illinois, you can apply for SSDI and SSI benefits through the Social Security Administration (SSA). Here’s how you can apply:

• Online application: The fastest and most convenient way to apply is through the SSA’s website at www.ssa.gov. You can apply for both SSDI and SSI benefits online.
• Phone application: You can also apply by phone by calling the SSA at 1-800-772-1213. A representative will assist you with your application.
• In-person application: If you prefer, you can visit your local SSA office in Illinois. It’s recommended to schedule an appointment ahead of time by calling the SSA to avoid long wait times.

When completing your application, make sure to provide:

• Personal information (name, Social Security number, date of birth, etc.)
• Medical history and records
• Employment history and details about past jobs
• Financial information (if applying for SSI)
• Any other documents requested by the SSA

Step 5: Submit Your Application and Documents

After completing your application, submit it online, by phone, or in person, along with your medical records and other required documents. If you are applying for SSI, you will also need to submit documentation regarding your income and resources.

If you submit your application online, you can track the progress of your claim through your my Social Security account. If you apply by phone or in person, you’ll receive a notice in the mail with information about the status of your claim.

Step 6: Wait for a Decision

After you’ve submitted your application, the SSA will review your case to determine whether you qualify for disability benefits. This process can take several months, so it’s important to be patient.

• Initial Decision: Most applicants will receive a decision on their claim within 3-5 months. If your claim is approved, you will begin receiving benefits. If your claim is denied, you can appeal the decision.
• Appeal Process: If your claim is denied, you can request reconsideration, followed by a hearing before an administrative law judge (ALJ). Many claims are initially denied, but an appeal can help you get the benefits you deserve.

Step 7: Receive Your Benefits

If your application is approved, you will begin receiving monthly disability benefits. The amount you receive will depend on your work history (for SSDI) or your financial need (for SSI).

• For SSDI, the amount you receive is based on your average lifetime earnings before you became disabled.
• For SSI, the amount is based on the federal benefit rate, with adjustments based on your income and resources.
  
  

Step 8: Keep Track of Your Case

Once your claim is approved, stay in touch with the SSA to ensure there are no issues with your payments or benefits. If there are any changes to your condition or work status, be sure to notify the SSA.

If you are required to have a continuing disability review (CDR), make sure to attend the review and provide any updated medical records or information about your condition.