Applying for Social Security Disability benefits is a big step for someone facing a long-term disability that prevents them from working. The process can be complex and requires attention to detail and a clear understanding of what the Social Security Administration (SSA) expects. While it’s possible to apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits on your own, working with an experienced disability law firm can increase your chances of success. Here’s what you need to know about the process and why professional guidance can make all the difference.
Step 1: Are You Eligible for Disability Benefits?
Before applying, it’s essential to ensure you meet the SSA’s basic requirements for SSDI or SSI. SSDI is designed for individuals who have worked and paid Social Security taxes long enough to earn work credits. Generally, you’ll need a certain number of credits based on your age and work history. Workers typically earn four credits per year and need 40 credits to qualify for SSDI benefits.
SSI, on the other hand, is a needs-based program for individuals with very limited income and resources, regardless of their work history.
Both programs require that your impairment meet the SSA’s definition of a disability:
- Social Security defines a qualifying disability as a physical or mental impairment that lasts or is expected to last 12 months (or result in death) and which prevents the person from performing substantial gainful activities (SGAs).
Substantial gainful activities are any work or service by which the applicant could earn $1,550 or more per month in 2024. The 2025 level of SGA is $1,620. Blind applicants can earn more.
Step 2: Gather the Necessary Documentation
The Social Security Administration (SSA) evaluates every applicant’s disability claim. To be approved, the claim must be accompanied by all relevant supporting documents. Often, identifying and gathering all these documents creates a significant challenge for disability claimants if they try to file their own claims. Professional disability lawyers and applicants make the task easier by completing this step for you.
The required documents include:
- Personal Information: Your Social Security number, birth certificate, and work history.
- Medical Evidence: All relevant detailed records from your healthcare providers, including diagnoses, treatments, test results, and physician statements, therapy session notes, etc.
- Financial Information: For SSI applications, you’ll need to provide proof of your income and assets.
Having thorough and accurate documentation is key to building a strong claim.
Step 3: Submitting Your Disability Application
If you are filing your own disability claim, you can apply for SSDI or SSI benefits in one of three ways:
- Online: The SSA website allows you to complete and submit your application electronically. This is a convenient option if you have access to a computer and the Internet.
- By Phone: Call the SSA to apply over the phone.
- In Person: Visit your local SSA office to submit your application.
However, as stated earlier, preparing and submitting your own SSDI or SSI claim increases your risk of being denied due to missing documents, insufficient supporting evidence, or incorrect documentation about your condition, work history, and medical treatment. That’s why engaging the services of a skilled and experienced Social Security Disability lawyer is so much easier, and often more successful.
Step 4: Waiting for a Decision
Once your application is submitted, several months will pass before the SSA will complete its review to determine if you meet the technical and medical requirements for disability benefits. The SSA carefully reviews your claim and consults with medical professionals.
If your application is approved, you’ll receive a letter outlining your benefits. However, many initial applications are denied due to missing information, insufficient medical evidence, or technical issues. Avoiding these errors can speed up your response from the SSA and win your benefits earlier.
Step 5: Appealing a Denied Disability Claim (If Necessary)
If your claim is denied, don’t lose hope. You have the right to appeal, and many applicants successfully secure benefits during the appeals process. In fact, more than half of disability claims that were initially denied are ultimately approved through the appeal process. The appeal involves multiple levels, including reconsideration, a hearing before an administrative law judge, and possibly further review by the Appeals Council or federal court.
Whether you filed your own disability claim or used an advocate or attorney, you should contact an experienced SSDI and SSI lawyer who handles disability appeals to maximize your chances of winning disability benefits on appeal.
Why Work with a Disability Law Firm or Advocate?
Although you can apply for benefits on your own, working with a skilled disability law firm significantly improves your chances of approval. Here’s why:
- Comprehensive Case Preparation – An experienced advocate knows exactly what the SSA looks for and will ensure your application is complete and supported by strong evidence. They’ll help you gather medical records, obtain detailed statements from your doctors, and address any gaps in your documentation.
- Guidance Through Every Step – From the initial application to the appeals process, having professional support means you’re not tackling this process alone. A knowledgeable representative understands the SSA’s procedures and can present your case in the best possible light.
- Representation at Hearings – If your claim goes to a hearing, your advocate will represent you, presenting arguments on your behalf and questioning witnesses to strengthen your case. Their expertise in disability law can make a significant difference in the outcome.
- Reduced Stress – Applying for disability benefits can be overwhelming, especially when you’re already managing a serious health condition. By partnering with a Law firm, you can focus on your well-being while your advocate handles the complexities of your case.
Disability benefits provide critical financial support, and you shouldn’t have to face the process alone. Contact a law firm today to learn how they can help you secure the benefits you deserve.
