Determine Your Eligibility

Before applying, it’s essential to ensure that you meet the eligibility requirements for SSDI or SSI.

• SSDI: To qualify for SSDI, you must have worked and paid Social Security taxes for a certain number of years. The number of years depends on your age at the time of disability.
• SSI: SSI is based on financial need, and you do not need a work history to qualify. However, your income and resources must be below certain limits to be eligible.

Both programs require you to prove that your disability prevents you from working for at least 12 months or is expected to result in death.

Gather the Required Documentation

You will need to gather several documents before applying. These documents may include:

• Proof of your identity (birth certificate, passport, etc.)
• Your Social Security number
• Medical records: Detailed medical documentation about your condition, including diagnoses, treatments, and limitations.
• Work history: A list of jobs you’ve held in the last 15 years, including your job duties, dates of employment, and earnings.
• Financial information: For SSI applicants, details about your income, assets, and resources are necessary.

Make sure all your medical records are up-to-date and that they clearly outline how your disability affects your ability to work.

Apply for Social Security Disability

You can apply for SSDI or SSI through the Social Security Administration (SSA) in the following ways:

Online Application

The fastest and most convenient way to apply is through the SSA’s online portal. Simply visit www.ssa.gov, create an account, and follow the instructions to complete your application. The online application is available for both SSDI and SSI claims, but for certain situations, such as applying for SSI, you may need to apply in person or over the phone.

By Phone

If you are unable to apply online, you can apply over the phone by calling the SSA’s toll-free number at 1-800-772-1213. The SSA staff can assist you with the application process, including explaining the required forms and helping you gather documentation.

In-Person at Your Local SSA Office

You can also apply in person at your local SSA office. To find the nearest office in Alabama, visit the SSA’s office locator. It’s recommended to schedule an appointment to avoid long wait times.

Submit Your Application

Once your application is completed, submit it to the SSA. Be sure to provide all the required documentation, such as medical records and work history. Incomplete applications or missing documents can delay the processing time or result in a denial of benefits.

Wait for a Decision

After submitting your application, the SSA will review your case and make a decision. This process can take several months (typically 3 to 5 months), and during this time, the SSA will contact you if they need additional information.

Important Note: Many Social Security Disability claims are initially denied. If your application is denied, you have the right to appeal the decision. The appeals process can take additional months or even years, but you should not be discouraged.

Appeal if Denied

If your application is denied, you can request a reconsideration or, if needed, a hearing before an Administrative Law Judge (ALJ). A lawyer can be helpful at this stage to ensure your case is presented in the best light. Many people who are denied initially are approved during the appeals process.