Step 1: Determine the Type of Disability Benefits You Need

In Colorado, there are two primary types of disability benefits administered by the Social Security Administration (SSA):

• Social Security Disability Insurance (SSDI): If you have worked and paid into Social Security for a certain number of years, you may qualify for SSDI. This program is designed for individuals who have a significant work history but are no longer able to work due to a disability.
• Supplemental Security Income (SSI): If you have limited income and resources and are disabled, you may qualify for SSI. Unlike SSDI, SSI is need-based and does not require a work history.

Step 2: Confirm Your Eligibility for Disability Benefits

Before you apply for disability benefits in Colorado, make sure you meet the eligibility criteria set by the SSA:

• Work History (for SSDI): To qualify for SSDI, you must have earned enough work credits by working and paying Social Security taxes. The number of credits required depends on your age.
• Income and Assets (for SSI): For SSI, you must have limited income and resources. Your assets cannot exceed a specific amount set by the SSA.
• Disability: Whether you’re applying for SSDI or SSI, you must prove that you have a disability that prevents you from engaging in substantial gainful activity (SGA). The SSA uses its Listing of Impairments to assess the severity of your condition.

Step 3: Gather the Necessary Documents for Your Application

The next step in filing for disability is gathering the required documentation. This includes:

• Medical Records: You’ll need comprehensive medical records from your treating physicians, specialists, and hospitals that outline your condition, diagnoses, treatments, and how your disability affects your ability to work and perform daily activities.
• Personal Information: Prepare documents such as your Social Security number, birth certificate, and proof of U.S. citizenship or legal residency.
• Work History (for SSDI): Include a list of your jobs over the past 15 years, including dates of employment, job duties, and employer contact information.
• Financial Information (for SSI): You’ll need to provide proof of your income, bank accounts, and other financial resources.

Step 4: Apply for Disability Benefits

You can file your disability claim in Colorado through the Social Security Administration. You have several options to apply:

• Apply Online: The quickest and most convenient method is to apply online through the SSA’s website at www.ssa.gov. The online application allows you to work at your own pace and is available 24/7.
• Apply by Phone: If you prefer, you can apply by calling the SSA’s toll-free number at 1-800-772-1213. A representative will assist you with the application process.
• Apply In-Person: If you need assistance or prefer to apply in person, you can visit your local Social Security office in Colorado. Make sure to call ahead and schedule an appointment.

Step 5: Wait for a Decision on Your Disability Claim

After submitting your application, the SSA will review your claim. This can take several months, so it’s important to be patient. During this time, the SSA may request additional medical documentation or information.

• Monitor Your Application: You can track the status of your claim online by creating a My Social Security account at www.ssa.gov/myaccount. This will allow you to check for updates or if the SSA requests more information.
• Stay Organized: Keep a record of all documents and correspondence related to your claim. This will help you stay on top of the process and avoid delays.
  

Step 6: What to Do If Your Disability Claim Is Denied

It’s common for disability claims to be denied, especially for first-time applicants. If your claim is denied, don’t be discouraged. You have the right to appeal the decision. The steps for appealing include:

• Request Reconsideration: If your claim is denied, you can request a reconsideration, where the SSA will review your case again.
• Request a Hearing: If the reconsideration is also denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your chance to present your case in person and provide additional evidence to support your claim.
• Submit New Evidence: If you have new medical records or information, make sure to include it in your appeal.

Step 7: Consider Getting Legal Help

While you can apply for disability benefits in Colorado without legal assistance, a disability lawyer can increase your chances of success. A lawyer can help:

• Ensure your application is complete and accurate: A lawyer will make sure your application includes all the required documentation and is presented in the best possible way.
• Represent you during the appeals process: If your claim is denied, a lawyer can help you navigate the appeals process and represent you at the hearing.
• Maximize your chances of approval: An experienced lawyer understands the SSA’s requirements and can help you meet them.