Step 1: Determine if You Meet the Eligibility Requirements

Before you apply for SSDI in Alabama, it’s crucial to understand if you meet the SSA’s eligibility criteria. Here’s what you need to know:

• Work History: SSDI benefits are available to individuals who have worked and paid into the Social Security system for a required number of years. Typically, you need to have worked 5 out of the last 10 years before your disability began.
• Medical Condition: You must have a medical condition that is expected to last at least 12 months or result in death. The condition must be severe enough to prevent you from working.
• Substantial Gainful Activity (SGA): If you’re working and earning above a certain amount, the SSA may determine that you are not disabled. For 2025, the SGA threshold is $1,470 per month ($2,460 if you are blind).

Step 2: Gather Necessary Documentation

To apply for SSDI, you will need to submit a variety of documents and evidence to the SSA to support your claim. This includes:

• Medical Records: Detailed documentation from your doctors, hospitals, and any specialists that show the extent of your condition.
• Work History: You’ll need to provide your employment history for the past 15 years, including job titles, dates of employment, and earnings.
• Personal Information: This includes your birth certificate, Social Security number, and any other documents the SSA may request.

Step 3: Apply for SSDI Benefits

Once you’ve determined that you meet the eligibility requirements and gathered the necessary documentation, you can apply for SSDI. There are several ways to submit your application:

• Online Application: The easiest and fastest way to apply is online through the SSA’s official website at www.ssa.gov. The online application guides you through each step, and you can submit your medical and work information directly.
• In-Person Application: If you prefer, you can visit your local Social Security office in Alabama to apply in person. You can find your nearest office by visiting the SSA’s website or calling the SSA at 1-800-772-1213.
• Phone Application: You can also apply by phone. The SSA offers an option to complete the application over the phone by calling their toll-free number at 1-800-772-1213.

Step 4: The SSA Evaluation Process

Once your SSDI application is submitted, the SSA will begin evaluating your claim. They will assess:

• Medical Evidence: The SSA will review your medical records to determine the severity of your condition and whether it meets the SSA’s definition of disability.
• Work History: The SSA will review your work history to determine if you have sufficient work credits to qualify for SSDI benefits.
• Functional Limitations: The SSA will assess how your disability impacts your ability to work, including whether you can perform your previous job or any other type of work.

The SSA evaluates claims through a five-step process:

• Step 1: SGA (Substantial Gainful Activity): If you are working and earning above the SGA threshold, you will not qualify for SSDI.
• Step 2: Severe Condition: Your condition must be severe enough to prevent you from doing basic work-related activities.
• Step 3: Listed Impairments: If your condition matches a medical condition on the SSA’s Listing of Impairments, you will be automatically considered disabled.
• Step 4: Past Work: The SSA will determine whether you can still perform your previous job. If not, they will move to the next step.
• Step 5: Other Work: Finally, the SSA will determine if you can do any other type of work based on your skills, education, and age.

Step 5: Follow Up and Stay Organized

After you’ve submitted your application, it’s important to stay organized and follow up with the SSA to ensure your application is being processed. You can:

• Create an SSA Online Account: This allows you to track the status of your claim and receive updates about any additional information required.
• Call the SSA: If you haven’t received an update or if you have questions, you can contact the SSA at 1-800-772-1213.

Step 6: Be Prepared for a Denial

It’s common for SSDI claims to be denied, especially during the initial review. If your claim is denied, you have the right to appeal the decision. The appeals process involves the following steps:

• Request Reconsideration: If your initial claim is denied, the first step is to request reconsideration, where the SSA will review your case again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is a critical step where you will have the chance to present your case in person.
• Submit Additional Evidence: When appealing, you can submit any new medical records or additional evidence that supports your case.

Step 7: Consider Getting Help if Needed

Although you can apply for SSDI without a lawyer, the process can be complicated. If your claim is denied or if you have difficulty gathering medical evidence, it may be beneficial to consult with a lawyer who specializes in SSDI claims. A lawyer can:

• Help ensure that your application is complete and accurate.
• Represent you during the appeals process if your claim is denied.
• Assist with gathering additional evidence to strengthen your case.