Step 1: Determine Your Eligibility for SSDI or SSI

Before applying for disability benefits, it’s important to determine which program you’re eligible for.

• SSDI: You may qualify for SSDI if you’ve worked and paid into Social Security through payroll taxes for a certain number of years. The amount of work history required depends on your age at the time your disability began.
• SSI: SSI is a needs-based program, and you may qualify if you have limited income and resources. Unlike SSDI, SSI does not require a work history, but you must meet the SSA’s financial criteria.

Make sure you understand which program applies to your situation, as the application process and eligibility requirements differ for each.

Step 2: Gather Your Medical and Personal Documentation

To apply for disability, you’ll need to provide detailed medical documentation that proves your condition prevents you from working. You’ll also need to provide personal and financial information. Here’s what you should gather:

• Medical Records: Collect your doctor’s notes, test results, hospital records, and any other medical documentation that proves the severity of your condition.
• Work History: Prepare a record of your past jobs, including job titles, dates of employment, and duties performed. If you’re applying for SSDI, you’ll need to provide a detailed work history.
• Income and Financial Information: If applying for SSI, gather records of your income, assets, and living situation to demonstrate that you meet the financial eligibility requirements.
• Personal Identification: You’ll need your birth certificate, Social Security card, and other forms of identification.

Step 3: Apply Online or In-Person

You can apply for disability benefits in New Mexico either online or in person. Here’s how:

• Online Application: The easiest way to apply is through the SSA’s website at www.ssa.gov. You can apply for both SSDI and SSI online. Be sure to read all instructions carefully and provide accurate information.
• In-Person Application: If you prefer to apply in person or need assistance, you can visit your local Social Security office. In New Mexico, there are several SSA offices across the state. To find the office nearest to you, visit the SSA’s office locator tool on their website or call the SSA at 1-800-772-1213.
• Telephone Application: You can also apply by phone by calling the SSA at 1-800-772-1213. A representative will assist you with the application process.

Step 4: Complete the Disability Application Forms

When applying, you’ll need to complete a series of forms. These forms ask for detailed information about your medical condition, work history, and daily activities. Be as detailed as possible and answer each question truthfully.

• Disability Report: This form asks for information about your condition, treatment, and how your disability affects your ability to work and perform daily tasks.
• Work History Report: If applying for SSDI, you’ll need to fill out a report about your past employment and earnings. Be sure to provide accurate dates and details about your previous jobs.

Step 5: Submit Your Application and Documentation

Once you’ve completed your application and gathered all required documentation, submit your forms to the SSA. If you’re applying online, you can upload your documents directly. If applying in person or by phone, make sure to bring copies of all necessary records.

Step 6: Wait for a Decision

After submitting your application, the SSA will review your case and determine whether you qualify for benefits. The review process can take several months, so be patient. During this time, the SSA may request additional information or medical records to support your claim.

• Approval: If your application is approved, you’ll begin receiving your disability benefits.
• Denial: If your application is denied, don’t get discouraged. Many disability claims are denied initially. You have the right to appeal the decision, and you should do so if you believe the denial was in error.

Step 7: Prepare for an Appeal (If Necessary)

If your disability claim is denied, you can appeal the decision. The SSA provides a multi-step appeals process, starting with requesting a reconsideration of your claim. If that’s unsuccessful, you can request a hearing before an Administrative Law Judge (ALJ). At each stage, you’ll have the opportunity to present new evidence or clarify any issues in your case.

• Reconsideration: This is the first step in the appeals process, where the SSA reviews your claim again.
• Hearing Before an ALJ: If reconsideration is denied, you can request a hearing before a judge who will review your case and make a final decision.
• Appeals Council: If the ALJ denies your claim, you can appeal to the SSA’s Appeals Council, which may review your case.

Step 8: Consider Getting Help with Your Application

Applying for disability benefits can be a complex and overwhelming process. While you can apply on your own, many individuals choose to work with a disability lawyer or advocate to improve their chances of success, especially if they need to file an appeal. An experienced attorney can help you:

• Gather the necessary medical and financial documentation.
• Complete and submit your application correctly.
• Represent you during the appeals process, if needed.