Step 1: Determine Eligibility for SSDI or SSI

The first step is to figure out which program you qualify for:

• SSDI (Social Security Disability Insurance): If you have worked in the past and paid Social Security taxes (FICA), you may qualify for SSDI. You must have worked a certain number of years and earned enough work credits to be eligible.
• SSI (Supplemental Security Income): If you have a limited income and resources, but may not have a strong work history, SSI may be an option. SSI is based on financial need, not work history, and is designed to assist low-income individuals who are disabled, blind, or elderly.

Both programs require you to prove that your disability prevents you from working or performing daily activities.

Step 2: Gather Necessary Documentation

Before you apply for disability benefits in Maryland, you’ll need to gather several important documents to support your claim. These documents help demonstrate your eligibility for SSDI or SSI and include:

• Proof of identity: Your Social Security number, birth certificate, and other forms of identification.
• Medical records: Documentation from your healthcare providers detailing your medical condition, treatments, and how your disability impacts your ability to work.
• Work history (for SSDI applicants): Your work history, including the names of employers, job titles, dates of employment, and a description of your job duties.
• Financial records (for SSI applicants): Proof of income (such as pay stubs or tax returns), and details about any assets or resources you own.

Make sure all your documents are accurate and up-to-date before applying.

Step 3: Complete the Disability Application

Once you’ve gathered the necessary documentation, you can apply for disability benefits in Maryland. You have several options for applying:

• Online Application: The easiest and most convenient way to apply for SSDI or SSI is through the Social Security Administration’s online portal at www.ssa.gov. The online application is available for both SSDI and SSI claims.
• By Phone: You can call the SSA at 1-800-772-1213 and speak with a representative who will assist you in filing your claim.
• In Person: If you prefer to apply in person, you can visit your local Social Security office in Maryland. Use the SSA’s office locator tool on their website to find the nearest office to you.

While filling out the application, be sure to provide as much detail as possible about your medical condition and how it limits your ability to work. The more information you provide, the better chance you have of being approved.

Step 4:  Complete the Disability Report

When applying for disability benefits, you’ll be asked to complete a Disability Report. This is a detailed form that asks for information about:

• Your medical conditions and treatments.
• Your work history, including jobs you’ve had in the past 15 years.
• Your daily activities and how your disability affects them.
• Any medications you take or treatments you’re undergoing.

Answer all the questions honestly and thoroughly. The SSA uses this information to assess your eligibility for benefits.

Step 5: Submit Medical Evidence and Documents

After completing your application, you will need to provide medical evidence to support your claim. This is crucial in proving that your disability prevents you from working or performing daily activities. Medical records should show:

• The nature of your disability: Include the diagnosis, symptoms, and duration of your condition.
• Treatment history: Provide information about treatments, medications, surgeries, and any other care you’ve received.
• Functional limitations: Your doctor’s statements should detail how your disability impacts your ability to work and function in daily life.

You should also submit any additional supporting documents, such as work records (for SSDI) and financial statements (for SSI).

Step 6: Wait for a Decision

Once you submit your application and documents, the SSA will begin reviewing your case. The review process can take several months. During this time, the SSA will evaluate your medical evidence, work history, and financial status (for SSI).

The SSA will send you a notice of decision informing you whether your claim is approved or denied. If your claim is approved, you will begin receiving monthly benefits.

Step 7: Appeal a Denied Claim

It’s common for disability claims to be denied initially, even if you have a valid claim. If your application is denied, don’t give up. You have the right to appeal the decision. The appeals process includes several stages:

• Reconsideration: The first step is to ask the SSA to review your claim again.
• Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your opportunity to present your case in person.
• Appeals Council: If you’re still denied after the hearing, you can ask the SSA’s Appeals Council to review the decision.
  

It’s important to be persistent and to follow the proper procedures during the appeal process.

Consider Getting Help

While it’s possible to apply for disability benefits on your own, working with a disability advocate or lawyer can increase your chances of success. A professional can help you:

• Gather the necessary medical evidence.
• Fill out forms accurately and thoroughly.
• Appeal denied claims and represent you during hearings.

If you’re considering getting help, ensure that the advocate or lawyer has experience handling Social Security Disability claims and is familiar with the Maryland disability process.