How to Apply for Social Security Disability Income
We all face the possibility of becoming disabled at some point in our lives. The Social Security Administration operates two programs that provide income for people who are unable to work due to a disability: social security disability insurance (SSDI) and supplemental security income (SSI). Although you must have a medically documented disability to apply for social security disability income, eligibility is not automatic. Each claim is reviewed and a determination made on a case-by-case basis.
Other People Are Reading
Things You'll Need
- Social security number
- Birth certificate (or naturalization papers)
- Military discharge, if any
- Bank account information
- Documentation of medical and work history
Instructions
-
-
1
Decide if you are eligible to apply for social security disability income. SSDI is available to adults who have worked enough to qualify and are expected to be out of the work force due to a disability for at least one year. The specific work history requirements vary by age (you can check them on the Social Security Administration website. See Resources). Disability income can also be paid to surviving spouses who have a disability and to adult children with a disability that began prior to age 22. SSI is paid to individuals who do not qualify for SSDI and who lack resources to live on.
-
2
Collect the required documents that you must submit with your application. You will need to provide your social security number, a certified copy of your birth certificate (or naturalization papers), and military discharge, if any (Form DD-214). If you have a checking account, have the bank routing number and your account number so your payments can be set up for direct deposit. If you don't have a checking account, you can get a "Direct Express" debit card, and payments will automatically be added to the card each month if you are approved.
-
-
3
Have the personal information, work history and medical information ready. You must provide the names and contact information for all employers for the past 15 years (or when you started working if less than 15 years). You should have a signed statement from your doctor or health care provider attesting to the disability. In addition, you have to provide a listing of medical care you have received from other doctors, hospitals, and health care providers.
-
4
Apply for social security disability income online or in person. For online applications, use the link below to ssa.gov. At one time, this option was not available, but as of 2008, you may fill out the application online. To make an appointment at your local social security office call 1-800-772-1213 (TTY 1-800-325-0778). This is also social security's national information number that you can call if you have any questions. There is a waiting period of five months from the time you apply, during which your application will be reviewed and a determination made.
-
1
Tips & Warnings
The Social Security Administration has programs to help you return to work if possible ("Ticket to Work," for example), and their rules allow you to earn a limited amount of money during a transition period without losing your benefits. Check with them and with your state Department of Vocational Rehabilitation to find out what options are available to you. If your claim is denied, you have the right to appeal. Call or check online for information about the appeals procedure. Medicare benefits will start automatically for recipients of SSDI after two years (Medicare is not available for those receiving SSI).
