Step 1: Determine Which Disability Program You’re Eligible For

Before you begin the application process, you need to know which program you are eligible for. There are two primary disability programs:

• Social Security Disability Insurance (SSDI): For individuals who have worked and paid Social Security taxes for a certain number of years.
• Supplemental Security Income (SSI): For individuals with low income and few resources, regardless of work history.

If you’re unsure which program is right for you, a representative from the Social Security Administration (SSA) can help determine your eligibility.

Step 2: Gather Your Medical and Personal Information

One of the most important parts of your application is providing thorough medical documentation to prove the severity of your disability. Here’s what you’ll need:

• Personal Information: Your Social Security number, birth certificate, and contact details.
• Medical Records: Detailed medical records from your doctors, specialists, hospitals, and any other healthcare providers.
• Work History: Documentation of your work history, including tax returns or pay stubs, to prove your eligibility for SSDI (if applicable).
• Proof of Income: For SSI, you’ll need to provide financial records that demonstrate you meet the income and resource limits.

The more complete and up-to-date your records are, the smoother the process will go.

Step 3: Apply for Disability Benefits

You can apply for disability benefits online, by phone, or in person at your local SSA office. Here’s how:

• Online Application: Visit the SSA’s website at www.ssa.gov and complete the online application for either SSDI or SSI.
• By Phone: You can apply over the phone by calling the SSA’s toll-free number at 1-800-772-1213.
• In Person: You can schedule an appointment to apply at your nearest SSA office in Texas. You can locate your local office using the SSA’s office locator tool on their website.

Step 4: Be Prepared to Provide Detailed Medical Information

The SSA will require extensive documentation to prove that your condition prevents you from working. When filling out your application, make sure you:

• List all medical conditions that affect your ability to work.
• Provide details about how these conditions limit your daily life.
• Submit any relevant test results, doctor’s notes, or hospitalization records.

It’s also helpful if your treating doctor provides a letter or statement that details your disability and how it impacts your ability to work.

Step 5: Wait for the SSA’s Decision

After submitting your application, the SSA will review your case. This can take several months. The SSA will make one of three decisions:

• Approval: You’ll receive benefits if your claim is approved.
• Denial: Many disability claims are denied initially. If this happens, you have the right to appeal.
• Request for More Information: The SSA may ask for additional information or medical records if they feel your application is incomplete.

Step 6: Follow Up and Stay Organized

It’s important to stay organized and track the status of your application. You can:

• Create an SSA Online Account: This will allow you to monitor your application’s progress and get updates.
• Call the SSA: If you need help or have questions, you can contact the SSA’s toll-free number at 1-800-772-1213.

Step 7: Appeal If Your Claim Is Denied

It’s common for disability claims to be denied initially. If your claim is denied, you can request a Reconsideration. If the Reconsideration is denied, you can appeal your case in front of an Administrative Law Judge (ALJ). Having legal representation during the appeals process can improve your chances of success, especially if you’re dealing with a complex case.