Step 1: Determine Your Eligibility

Before you begin your application, it’s important to determine whether you meet the eligibility requirements for either SSDI or SSI.

• SSDI: You must have worked and paid Social Security taxes for a required number of years. You also need to prove that you have a disability that is expected to last at least 12 months or result in death.
• SSI: This program is designed for individuals with limited income and resources. You don’t need a work history to qualify, but you must prove that you are disabled and have financial need.

Step 2: Gather Necessary Documents

Collect all required documentation to support your disability claim. This may include:

• Medical records: Provide detailed medical records showing your diagnosis, treatment, and how your condition affects your ability to work.
• Work history: If applying for SSDI, provide a detailed work history to show that you have worked long enough to qualify for benefits.
• Income and financial records: If applying for SSI, you’ll need to provide information about your income and assets to demonstrate financial need.

Step 3: Apply for Disability

You can apply for disability benefits in New Jersey in several ways:

• Online: The easiest and fastest way to apply is through the Social Security Administration's (SSA) online portal at www.ssa.gov. Simply create an account and follow the steps to fill out your application.
• By Phone: You can also apply over the phone by calling the SSA at 1-800-772-1213. An SSA representative will assist you with your application.
• In-Person: If you prefer to apply in person, you can visit your local Social Security office. Find the nearest office by using the SSA office locator on their website.

Step 4: Submit Your Application

Make sure to complete the application thoroughly and accurately. Double-check that all the required documentation is attached, such as medical records, your work history, and financial information. Missing documents can delay your claim.

Step 5: Wait for a Decision

Once your application is submitted, the SSA will review your case. This can take several months, so be patient. You may be asked to provide additional information or undergo a consultative exam if the SSA needs further details about your disability.

Step 6: Appeal if Necessary

Many initial claims are denied, but you have the right to appeal the decision. If your claim is denied, you can request a reconsideration, followed by a hearing before an administrative law judge (ALJ) if necessary. If you continue to face denials, you can escalate the case to the Appeals Council and even federal court.