To apply for Social Security Disability benefits, follow these steps:
How to Apply for Social Security Disability
- Determine Eligibility: You must have a medical condition preventing you from working for at least 12 months or expected to result in death, and meet Social Security's strict definition of disability. For SSDI, you must have worked and paid FICA taxes for a certain period (typically 5 of the last 10 years)
- Gather Required Information: Prepare personal details such as your Social Security number, birth date, and place; information about your spouse and children; detailed medical records; employment history for the past 15 years; and banking information for direct deposit
- Apply Online: The easiest way is to apply online via the Social Security Administration (SSA) website. The online application allows you to apply at your convenience without visiting an office. You will need to complete the Disability Benefit Application and Medical Release Form. Review the Adult Disability Checklist beforehand to gather necessary documents
- Apply by Phone: If you cannot apply online, call the SSA toll-free number at 1-800-772-1213 (TTY 1-800-325-0778 for the deaf or hard of hearing) between 7 a.m. and 7 p.m. Monday through Friday to apply by phone
- Apply in Person: You can also apply by visiting your local Social Security office. It’s recommended to call ahead for an appointment. SSA staff can help answer questions about the application process but cannot provide legal advice
- Submit Additional Forms: After your initial application, you may be asked to provide further documentation such as function reports, work history reports, and third-party statements about how your condition affects your daily life
- Wait for Decision: SSDI benefits have a five-month waiting period from the date your disability began before payments start. SSI benefits start from the month you file your claim or become eligible
Tips to Speed Up Your Application
- Submit all required information and medical evidence promptly.
- Include contact information for your doctors and medical providers.
- Provide a detailed work history and list of medications.
- Don’t delay filing your claim even if you don’t have all information immediately; you can submit additional documents later
In summary, you can apply for Social Security Disability benefits online, by phone, or in person by preparing your personal, medical, and work information, completing the application, and submitting it to SSA for review
