Step 1: Understand the Eligibility Criteria for SSDI and SSI

Before beginning your application, it’s important to understand the difference between SSDI and SSI to determine which program you are eligible for:

• SSDI is for people who have worked and paid into the Social Security system through payroll taxes. To qualify for SSDI, you need to have a sufficient work history and meet specific medical requirements.
• SSI is for individuals who have limited income and resources, regardless of their work history. This program is designed to help those with disabilities or those who are elderly and have financial needs.

Step 2: Gather Your Documentation

To file for disability benefits in Maryland, it’s essential to gather all the necessary documentation to support your claim. Some of the key documents include:

• Medical Records: Make sure to have up-to-date and detailed medical records that show your diagnosis, treatment history, and how your disability affects your ability to work. You may need reports from specialists and healthcare providers.
• Work History: For SSDI, you will need a detailed work history that includes the names of your employers, dates of employment, and job duties.
• Financial Information: If applying for SSI, you will need to provide information about your income, assets, and living situation.

Step 3: Apply for Disability Benefits Online, In Person, or by Phone

There are several ways to apply for disability benefits in Maryland:

• Online: The most convenient method is to apply online through the Social Security Administration’s (SSA) official website at www.ssa.gov. You can apply for both SSDI and SSI benefits through their online portal, which guides you step-by-step through the application process.
• In Person: If you prefer to apply in person, you can visit your local Social Security office. Use the SSA’s office locator at SSA Office Locator to find the nearest office in Maryland.
• By Phone: You can also apply by calling the SSA at 1-800-772-1213. A representative will assist you with your application over the phone.

Step 4: Complete the Disability Application Accurately

When filling out the disability application, ensure that you provide accurate and detailed information about your medical condition, work history, and daily limitations. Incomplete or inaccurate information may cause delays or result in a denial of your claim.

Step 5: Be Prepared for a Waiting Period

After you submit your application, keep in mind that the disability application process in Maryland can take several months. It usually takes between 3 to 6 months for the SSA to process an initial claim. However, depending on the complexity of your case and the SSA’s workload, it may take longer.

You will receive a decision about your claim via mail. If approved, you will begin receiving benefits, and if denied, you will receive a letter explaining why your application was rejected.

Step 6: Follow Up on Your Application Status

After submitting your disability application, it’s important to stay proactive. You can check the status of your claim by creating an account on my Social Security at www.ssa.gov/myaccount, which will allow you to:

• Monitor the status of your application.
• Receive updates or requests for additional information.
• View important correspondence from the SSA.

You can also contact the SSA at 1-800-772-1213 if you need assistance or have any questions about your claim status.

Step 7: Appeal a Disability Denial

If your disability claim is denied, you have the right to appeal the decision. It’s common for claims to be denied initially, even if you have a valid disability case. Here are the steps of the appeals process:

• Reconsideration: You can request a reconsideration, which means the SSA will review your claim again.
• Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This hearing will give you the opportunity to present additional evidence and explain why you should qualify for benefits.
• Appeals Council: If the ALJ denies your case, you can appeal to the SSA’s Appeals Council.
• Federal Court: As a final step, you can file a lawsuit in federal court if the Appeals Council also denies your claim.
  

Step 8: Seek Legal Help if Needed

While you can apply for disability benefits on your own, consulting with a disability lawyer or disability advocate can be extremely helpful, especially if your claim is complicated or if you need assistance with the appeals process. A disability lawyer can guide you through the process, ensure your application is complete, and represent you in hearings if needed.

Consider Local Maryland Resources

In addition to filing for disability benefits through the SSA, there are local resources in Maryland that can assist you with your application or provide additional support during the process:

• Disability Rights Maryland (DRM): DRM offers free legal services to individuals with disabilities, including assistance with disability benefits applications.
• Maryland Legal Aid: Maryland Legal Aid provides legal assistance to low-income individuals in the state and may help you with your disability claim.
• Local Advocacy Organizations: Various nonprofit organizations in Maryland can assist with disability claims and provide advocacy services.