Step 1: Understand the Eligibility Criteria

Before you begin the application process, make sure you meet the eligibility requirements for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). These two programs differ in terms of eligibility, so it’s important to know which one applies to your situation:

• SSDI: SSDI is for individuals who have worked and paid into the Social Security system for a certain number of years. The number of work credits required depends on your age when you become disabled.
• SSI: SSI is a need-based program for individuals with limited income and resources, regardless of whether or not they have worked in the past. This program is available for individuals who are disabled, blind, or aged 65 and older.

Both programs require you to prove that your disability prevents you from working and is expected to last at least 12 months or result in death.

Step 2: Gather Your Medical Records and Documentation

Before applying, you’ll need to gather all the necessary medical records and documents to support your claim. This includes:

• Medical evidence: Provide copies of your medical records, including hospital records, doctor’s notes, test results, prescriptions, and any treatment plans.
• Work history: You’ll need to provide a detailed record of your work history, including the jobs you’ve held over the past 15 years, the type of work you did, and how long you worked at each job.
• Personal and financial information: If applying for SSI, you will also need to provide financial information, such as bank statements, assets, and income.

It’s important to have up-to-date and accurate documentation to avoid delays in the processing of your application.

Step 3: Start the Application Process

Once you have your documentation ready, you can begin the disability application process. In Wisconsin, you have several ways to apply:

• Online: The easiest and most convenient way to apply is through the SSA’s online portal at www.ssa.gov. The online application for SSDI and SSI is available and allows you to complete your application in the comfort of your home.
• By Phone: You can also apply by calling the SSA’s toll-free number at 1-800-772-1213. A representative can help you through the application process and answer any questions you may have.
• In-Person: If you prefer to apply in person, you can schedule an appointment at your local SSA office. In Wisconsin, there are several SSA offices across the state where you can get assistance. To find the nearest office, visit the SSA’s office locator at https://www.ssa.gov/locator.

Step 4: Complete the Application Accurately

Whether you apply online, by phone, or in person, make sure to fill out the application thoroughly and accurately. Mistakes or missing information can delay your claim and result in a denial. Be sure to:

• Provide detailed medical information: Ensure that your medical history and how it affects your ability to work are clearly described.
• Be honest and specific: It’s important to provide accurate and honest information about your work history, medical condition, and limitations.
• Double-check all documents: Verify that all supporting documentation, such as medical records, work history, and financial documents, are attached and accurate.

Step 5: Wait for the SSA’s Decision

After you submit your application, the Social Security Administration will review your case to determine whether you meet the criteria for disability benefits. The decision process can take several months, and the SSA may request additional medical evidence or information during this time. If your application is denied, you have the right to appeal.

Step 6: Be Prepared for Possible Denial

It’s not uncommon for disability applications to be denied, especially if your condition is not well-documented or if there are errors in the application. If you are denied, you have several options:

• Request Reconsideration: The first step in appealing a denial is to request reconsideration. This involves the SSA reviewing your case again with a different examiner.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is an important step where you can present your case in person.
• Appeal to the Appeals Council: If the ALJ denies your claim, you can ask the Appeals Council to review your case.
• Federal Court: If all appeals are denied, you may have the option to file a lawsuit in federal court.

Step 7: Consider Hiring a Disability Lawyer

While you are not required to hire a lawyer to apply for disability benefits in Wisconsin, having legal representation can significantly improve your chances of success, especially if you need to appeal a denial. A disability lawyer can help you:

• Ensure your application is complete and accurate.
• Gather the necessary medical evidence and documentation.
• Represent you at your hearing before an ALJ.
• Help you navigate the complex disability process and increase your chances of receiving benefits.