How to Apply for Social Security Disability Insurance

Understanding how to apply for Social Security Disability Insurance, or SSDI, is a crucial step toward securing financial stability and medical benefits for individuals who can no longer work due to a disability. 

The application process can feel overwhelming, and you’ve probably found yourself wondering where to begin. In this article, we will walk you through the steps you should take to apply for SSDI and what you can expect from the process. 

Preparing to apply for SSDI

According to the Social Security Administration (SSA), nearly 2 million people applied for Social Security benefits in 2024. Given the high volume of applicants and lengthy wait times, it is advisable to submit your SSDI application as soon as you become disabled. Additionally, SSDI benefits have a mandatory five-month waiting period, meaning payments will not begin until at least six months after you apply.

Before applying for SSDI, it’s essential to determine whether your condition meets the SSA’s strict definition of disability. Understanding these requirements can help streamline the application process and reduce the likelihood of delays or denials.

The SSA will require proper documentation to support your claim, including your medical history, work record, and more. Below is a list of valid documentation.

Personal identification documents:

• Birth certificate or other proof of birth
• Proof of U.S. citizenship or lawful immigration status (if not born in the U.S.)
• U.S. military discharge papers (if applicable)
• Social Security number and identification details

Financial and employment records:

• W-2 forms or self-employment tax returns for the previous year
• Records of any workers’ compensation benefits received
• Bank account information for direct deposit

Medical evidence:

• Medical records, including doctors’ reports and test results
• An Adult Disability Report detailing your medical condition and work history
• Any additional medical documentation that supports your claim

The SSA may also request additional information about your marital status, children, and any previous applications for Social Security benefits.

How to apply for SSDI

Applying for SSDI typically takes about one to two hours to complete, and you have several options for submitting your application:

• Online via the SSA’s website
• By phone at 800-772-1213
• In person at a local SSA office
• By mail (requires additional processing time)
• With the help of an attorney

While filling out an SSDI application form on your own is free, errors or omissions in your application can lead to delays or denials. Visiting an SSA office provides direct assistance, but it also requires time and travel. Working with an experienced SSDI attorney can help ensure that your application is completed accurately and includes all necessary evidence, increasing your chances of approval.

Waiting for a decision

It can take six to eight months for the SSA to process your application and reach an initial decision. Factors that can impact processing time include:

• The nature and severity of your disability
• The speed at which your medical providers submit required records
• Whether additional medical evaluations are needed
• If your case is selected for quality review

How Woods & Woods can help

Having a disability shouldn’t mean losing your peace of mind. At Woods & Woods, we help individuals with disabilities connect with legal help. If you’re seeking SSDI benefits, call us today for a free case evaluation.