Step 1: Understand the Two Types of Disability Benefits

Before applying, it’s important to know which type of disability benefits you are eligible for:

• Social Security Disability Insurance (SSDI): This is available to individuals who have worked and paid Social Security taxes for a certain number of years. The eligibility is based on your work history and the amount of Social Security credits you’ve accumulated.
• Supplemental Security Income (SSI): This is a need-based program designed for individuals with limited income and resources. SSI is available regardless of whether you have worked in the past, so it’s an option for people who have not earned enough work credits to qualify for SSDI.

Step 2: Determine Your Eligibility

To qualify for SSDI, you must meet the following criteria:

• You must have a medical condition that prevents you from working and is expected to last at least 12 months or result in death.
• You must have worked and paid into Social Security for a certain number of years. This number varies depending on your age.

To qualify for SSI, the requirements are:

• You must have limited income and resources.
• You must be a U.S. citizen or legal resident and meet other eligibility requirements.

In California, if you qualify for SSDI, you may also be eligible for state benefits, such as State Disability Insurance (SDI). It’s important to check how these programs might work together.

Step 3: Gather the Necessary Documentation

Before applying, make sure you have all the necessary documents to support your claim. This includes:

• Personal Information: Social Security number, birth certificate, and other identification documents.
• Medical Records: Detailed medical records that prove the severity of your disability. These may include:
• Doctor’s notes
• Test results
• Treatment history
• Statements from healthcare providers
• Work History (for SSDI applicants): Information about your past jobs, including your earnings, and the type of work you’ve done.
• Income and Financial Information (for SSI applicants): Your income, assets, and resources must be documented. For SSI, the SSA will check your financial situation closely to determine eligibility.

Step 4: Apply for Social Security Disability Benefits

You can apply for Social Security Disability benefits in California using several methods:

A. Apply Online

• Online Application: The Social Security Administration (SSA) offers an online application for both SSDI and SSI benefits through their website at www.ssa.gov. This is the fastest and most convenient way to apply.
• How to Apply: Create a “my Social Security” account and follow the prompts to complete the online application. You will need to provide the necessary documents and answer questions about your disability, medical history, and work background.

B. Apply by Phone

• Phone Application: If you prefer to apply over the phone, you can call the SSA at 1-800-772-1213. Representatives will assist you in filling out your application. If you’re hearing impaired, you can call the TTY line at 1-800-325-0778.

C. Apply in Person at a Local SSA Office

• In-Person Application: You can also apply in person at your local Social Security office. Use the SSA’s online locator tool to find the nearest office in California. While this option may be less convenient than applying online or by phone, it may be helpful if you have questions or need assistance with your application.

Step 5: Complete the Disability Report and Function Report

Once you start your application, you’ll be asked to complete the Disability Report and the Function Report. These forms provide the SSA with detailed information about your condition, how it affects your ability to work, and what you can and cannot do.

• Disability Report: You’ll describe your medical condition, treatments, and how it affects your daily life.
• Function Report: This form asks you to provide more detailed information about how your disability limits your ability to perform everyday tasks, like dressing, cooking, or driving.

Step 6: Submit Your Application and Follow Up

After submitting your application, you should receive confirmation that the SSA has received it. You’ll be assigned a case number and can track the status of your application online using your my Social Security account.

Track the Status

• Online Account: You can log in to your my Social Security account to check the progress of your claim and receive any updates.
• SSA Customer Service: You can also call the SSA at 1-800-772-1213 to check the status of your application.

Step 7: Wait for the SSA’s Decision

After you’ve submitted your application, the SSA will review your claim. This process can take several months (usually between 3 to 5 months). During this time, the SSA may contact you for additional information or clarification about your case.

• Approval: If your application is approved, you will begin receiving disability benefits. You’ll also be notified about the amount of your monthly payment.
• Denial: If your application is denied, don’t panic. You have the right to appeal the decision, and many claims are initially denied. You can request a reconsideration or, if needed, a hearing before an Administrative Law Judge (ALJ).

Step 8: Appeal a Denial (If Applicable)

If your claim is denied, you can appeal the decision. Hogan Smith can help guide you through the appeals process, which includes:

• Requesting Reconsideration: This is the first step after a denial. The SSA will review your case again, potentially with new medical evidence.
• Requesting a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is an opportunity to present your case in person.
• Appeals Council and Federal Court: If the ALJ denies your claim, you can appeal to the Appeals Council and, ultimately, to federal court.