Step 1: Determine Your Eligibility for Disability Benefits

Before you apply, it’s important to make sure you meet the eligibility requirements for either SSDI or SSI:

• SSDI: If you have worked and paid into the Social Security system for a certain number of years, you may qualify for SSDI. The number of work credits needed depends on your age and when your disability occurred.
• SSI: If you have limited income and resources and are disabled, blind, or over the age of 65, you may be eligible for SSI benefits, even if you have not worked.

Both programs require you to prove that you are unable to work due to a medical condition that is expected to last for at least 12 months or result in death.

Step 2: Gather the Required Documentation

The next step in filing for disability benefits in New York is to gather all the necessary documents. You will need to provide:

• Medical records that prove the severity of your condition, including hospital records, treatment history, and doctor’s notes.
• Proof of identity such as a birth certificate, Social Security card, and proof of citizenship or legal residency.
• Work history for SSDI applicants, which includes W-2 forms, pay stubs, and tax returns from the past several years.
• Proof of income and resources for SSI applicants, such as bank statements and details of any other financial assistance you may receive.

Step 3: Apply for Disability Benefits

In New York, you can apply for Social Security Disability benefits in several ways:

• Online: The easiest and fastest way to apply is through the Social Security Administration’s (SSA) website at www.ssa.gov. You can apply for SSDI or SSI benefits directly through the online portal.
• By Phone: You can apply by calling the SSA at 1-800-772-1213. An SSA representative will assist you in completing your application over the phone.
• In Person: You can visit your local Social Security office in New York to apply in person. To find your nearest office, you can use the SSA’s office locator on their website.

When applying, make sure to provide detailed and accurate information. Incomplete or incorrect information can delay the processing of your claim or result in a denial.

Step 4: Complete the Disability Report

As part of the application process, you will need to fill out a Disability Report. This form asks for detailed information about your medical condition, the treatments you’ve received, and how your condition impacts your ability to work. Be thorough and honest in your answers, as this form plays a critical role in your application.

Step 5: Wait for a Decision
Once your application is submitted, the SSA will review your case. The decision process can take several months. During this time, you may receive a request for additional information or clarification about your condition or work history.

If your claim is approved, you will receive a notification from the SSA outlining the amount of benefits you will receive. If your claim is denied, you have the right to appeal the decision.

Step 6: Appeal a Denied Claim

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 through several stages:

• Reconsideration: The first step is to ask for a reconsideration, where the SSA will review your case again.
• Hearing: If the reconsideration is denied, you can request a hearing with an Administrative Law Judge (ALJ). This is a critical stage where you can present additional evidence and argue your case in person.
• Appeals Council: If the ALJ denies your claim, you can request a review from the Appeals Council.

It’s important to note that appeals can take time, but having strong medical documentation and support from a disability attorney can significantly increase your chances of success.

Step 7: Get Help from a Disability Advocate or Lawyer

While it’s possible to file for disability benefits on your own, working with an experienced disability lawyer or advocate can be highly beneficial. They can assist you with:

• Preparing your application and ensuring it’s as complete as possible.
• Gathering necessary medical records and other evidence to support your claim.
• Representing you through the appeals process if your claim is denied.

In New York, disability lawyers typically charge a contingency fee, meaning they only get paid if you win your case. The fee is capped by law, usually at 25% of your past-due benefits, up to a maximum of $6,000.