Step 1: Determine Which Disability Program You Qualify For

Before you apply, it’s important to understand the two main disability programs offered by the Social Security Administration (SSA): SSDI and SSI.

• SSDI: This program is for individuals who have worked and paid into Social Security for a certain number of years. You must have earned enough work credits to qualify.
• SSI: This program is needs-based and is designed for individuals with limited income and resources, regardless of work history. It is available to people who are disabled, blind, or aged 65 or older.

Step 2: Ensure You Meet the Eligibility Requirements

To qualify for either SSDI or SSI, you must meet certain eligibility requirements. Here are the basic criteria:

• For SSDI: You need to have worked a certain number of years and paid into Social Security through payroll taxes. Your condition must also prevent you from performing any substantial work and be expected to last at least 12 months or result in death.
• For SSI: You must have limited income and resources, and your disability must prevent you from working. SSI is typically available to individuals who have little to no work history.

Make sure you meet these basic eligibility requirements before moving forward with your application.

Step 3: Gather the Necessary Documents

Before applying for Social Security Disability benefits, gather the necessary documentation. The more complete and accurate your documentation, the better your chances of getting approved. Here’s a list of documents you’ll likely need:

• Personal information: Social Security number, birth certificate, and contact details.
• Medical records: Documentation of your disability from your treating doctors, including hospital records, lab results, and treatment history.
• Work history: Details of your previous employment, including employer names, dates worked, and job duties.
• Income and resources: Information about your income, savings, bank accounts, and assets (for SSI applicants).

Step 4: Complete the Disability Application

You can apply for Social Security Disability benefits in several ways:

• Online: The quickest and easiest way to apply is through the SSA’s online portal at www.ssa.gov. The online application is available for both SSDI and SSI.
• By Phone: You can apply by calling the SSA’s toll-free number at 1-800-772-1213.
• In Person: You can schedule an appointment at your local SSA office if you prefer to apply in person.

Make sure to fill out the application as accurately as possible and provide all requested documents. A complete and accurate application can help speed up the approval process.

Step 5: Wait for a Decision

Once your application is submitted, the SSA will review your case. This can take several months, as they need to verify your eligibility and review all of the submitted medical evidence. During this time, they may contact you for additional information or clarification.

If your application is approved, you will begin receiving your disability checks monthly. If your application is denied, you have the right to appeal the decision. Many first-time applicants are denied, but it’s possible to win your case during the appeal process.

Step 6: How Much Will Your Disability Check Be?

The amount you receive in your disability check depends on a few factors:

• For SSDI: The amount is based on your average lifetime earnings and how much you’ve paid into the Social Security system. The SSA uses a formula to calculate your monthly benefit.
• For SSI: The amount is based on your income and living situation. SSI is intended to provide a basic level of support for individuals with limited resources.

The SSA provides a disability benefits calculator on their website to give you an estimate of how much you may be eligible to receive.

Step 7: What to Do if Your Disability Check is Denied

If your application for disability benefits is denied, don’t give up. The majority of claims are denied initially, but many are approved on appeal. If you receive a denial, you can:

• Request reconsideration: This is the first step in the appeals process, where a different SSA official will review your case.
• Request a hearing: If reconsideration is denied, you can request a hearing with an Administrative Law Judge (ALJ) to present your case in person.
• Hire a disability lawyer: If you’re going through an appeal or hearing, a disability lawyer can help you strengthen your case and improve your chances of success.