Steps to Get Your Disability

Step 1: Determine Your Eligibility

Before you apply for Social Security Disability, it’s important to know whether you meet the SSA’s eligibility requirements. There are two main types of disability benefits: SSDI and SSI.

• SSDI (Social Security Disability Insurance): To qualify for SSDI, you must have worked and paid into Social Security for a certain number of years. The amount you’ve paid into the system will affect the benefits you’re eligible to receive.
• SSI (Supplemental Security Income): SSI is need-based, so it doesn’t require a work history. Instead, it is based on your financial need, and you must meet certain income and asset limits to qualify.

Step 2: Ensure Your Condition Meets the SSA’s Definition of Disability

The Social Security Administration defines disability as a condition that prevents you from working and is expected to last at least 12 months or result in death. To get disability, your condition must be severe enough to meet the SSA’s criteria. Conditions may include physical disabilities, mental disorders, or a combination of both.

The SSA has a Listing of Impairments that categorizes various medical conditions that qualify for benefits. It’s important that your condition is well-documented and aligns with the SSA’s definitions.

Step 3: Gather Your Medical Documentation

The key to getting disability benefits is providing solid medical evidence that shows how your condition prevents you from working. Here’s how to ensure your medical records are complete:

• Regular Doctor Visits: Make sure you’re seeing your doctor consistently and following prescribed treatments. Regular visits help build a strong medical history for your case.
• Complete Medical Records: Ensure that your doctor’s notes, lab results, diagnostic tests, hospital records, and other documentation are up-to-date.
• Doctor’s Opinion: A letter from your treating physician explaining how your condition affects your ability to work can be crucial. The more specific and detailed the doctor is about your limitations, the better.
• Include Specialist Records: If you see specialists, include their records to show comprehensive care for your condition.

Step 4: Complete the Application Accurately

Filling out the disability application is an important step. Any mistakes or incomplete information can delay your claim or result in a denial. Here’s how to apply:

• Apply Online: The quickest way to apply is through the SSA’s online portal at www.ssa.gov. Be sure to carefully fill out every section.
• Be Honest and Detailed: Ensure you provide accurate and complete information regarding your medical history, work history, and financial situation.
• Submit All Required Documents: Make sure to include all requested documents, such as your medical records, work history, and other supporting evidence.

Step 5: Understand the SSA’s Evaluation Process

The SSA uses a five-step process to evaluate disability claims. Understanding these steps can help you provide the right information:

• Step 1: Substantial Gainful Activity (SGA): If you’re working and earning above a certain threshold, you may not be eligible for benefits.
• Step 2: Severe Condition: Your condition must be severe enough to limit your ability to perform basic work tasks.
• Step 3: Meet a Listed Impairment: If your condition is on the SSA’s list of impairments, you may automatically be considered disabled.
• Step 4: Past Work: The SSA will assess whether you can still perform your previous job.
• Step 5: Other Work: If you can’t do your previous job, the SSA will consider whether you can perform other types of work based on your skills, education, and age.

Step 6: Follow Up and Stay Organized

After submitting your application, you can track its progress and follow up with the SSA. Staying organized will help ensure that you respond to any requests in a timely manner. Here are a few tips:

• Create an SSA Online Account: This will allow you to monitor your claim’s status and check for updates.
• Call the SSA: If you haven’t received an update or need clarification, don’t hesitate to call the SSA at 1-800-772-1213.

Step 7: Be Prepared for a Denial

It’s common for Social Security Disability claims to be denied initially, even if you meet the eligibility requirements. If this happens, don’t get discouraged. You have the right to appeal the decision. Here’s how to handle a denial:

• Request Reconsideration: If your claim is denied, the first step in the appeals process is to request a reconsideration, where the SSA reviews your case again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This gives you the opportunity to present your case in person.
• Gather Additional Evidence: If you’re appealing, provide any new medical records or other evidence that may help your case.

Step 8: Consider Getting Help if Needed

Although you can apply for disability benefits on your own, it may be beneficial to consult with a lawyer or advocate. Legal professionals can help you prepare your case, gather necessary evidence, and navigate the appeals process if needed.