How do I apply for Social Security disability benefits?

Frequently Asked Questions

Q: How do I apply?

Answering Your Question.

If you’ve been struggling with a serious health problem and can no longer work full-time, applying for Social Security Disability benefits might be the right step for you. This process can feel confusing or overwhelming, especially when you’re already dealing with pain, stress, or medical bills. As an attorney who helps people through this every day, let me walk you through the steps — in plain language.

1. Understand What You’re Applying For

There are two main types of disability benefits from Social Security:

• SSDI (Social Security Disability Insurance): For people who worked and paid into Social Security through their jobs.
• SSI (Supplemental Security Income): For people with little to no work history and low income/resources.

Many people qualify for one or both, depending on their work history and financial situation.

2. Start Your Application — Three Ways to Apply

You can apply for benefits in any of these three ways:

Online (if you’re comfortable using the internet):

Go to www.ssa.gov/applyfordisability.
 You’ll fill out a disability application and a work history form. You can save and come back later if needed.

By Phone:

Call 1-800-772-1213 (TTY: 1-800-325-0778).
 A Social Security representative will take your information and set up a phone appointment if needed.

In Person:

You can call ahead and schedule a meeting at your local Social Security office. In-person help is great if you don’t have internet access or if the forms seem overwhelming.

3. What You’ll Need to Provide

Before you apply, gather this information:

• Your full name, Social Security number, and birth date.
• Names and addresses of all doctors, clinics, and hospitals you’ve been to.
• A list of medications you take.
• Your complete work history for the last 15 years (including job titles and duties).
• Your education and any job training or certifications.
• Marriage and family information (if you have children or a spouse, it could affect your benefits).
• Your bank account number (for direct deposit if approved).

You don’t need to have every single detail perfect — but the more complete your information, the better your chances.

4. After You Apply

Social Security will send your claim to your state’s Disability Determination Services office. They may:

• Request medical records from your doctors.
• Send you to a consultative exam with a doctor they choose.
• Ask you more questions by mail or phone.

It can take 3 to 6 months or longer to get an answer. Unfortunately, many people get denied the first time. That’s where legal help becomes important.

5. How I Can Help

As a disability attorney, I work on contingency, which means you don’t pay me unless you win your case. I help with:

• Filing your claim or appealing a denial
• Making sure your medical records are complete
• Talking to Social Security on your behalf
• Representing you at a hearing before a judge, if needed

If you’re feeling unsure or overwhelmed, that’s completely normal. Most people have never had to go through this before. I’m here to guide you every step of the way — from paperwork to courtroom.

Final Tip: Don’t Wait Too Long

If you believe your condition will keep you out of work for at least 12 months, the best time to apply is now. Waiting could cost you benefits and back pay.

Need Help Applying or Appealing a Denial?
 Let’s talk. I offer free consultations, and I only get paid if you do.