Step 1: Determine Which Program Applies to You

California residents may be eligible for one or more of the following:

• SSDI (Social Security Disability Insurance): For individuals with a work history who have paid into Social Security.
• SSI (Supplemental Security Income): For individuals with limited income and resources, regardless of work history.
• SDI (State Disability Insurance): A California-run short-term program for workers who are temporarily disabled and have paid into the SDI fund through payroll deductions.

Step 2: Gather Required Information and Documents

Before you apply, collect the following:

• Social Security number
• Work history (job titles, dates, and duties)
• Complete medical records
• List of medications and treatments
• Contact information for doctors and clinics
• Financial details (especially for SSI applications)

Step 3: Apply for Disability Benefits

You can apply in the following ways:

For SSDI and SSI:

• Online: Visit ssa.gov and apply directly through the portal.
• By Phone: Call the SSA at 1-800-772-1213
• In Person: Schedule an appointment at a local SSA field office

For California SDI:

• Online: Apply through the EDD website at edd.ca.gov
• By Mail: Request a paper application (Form DE 2501)
• Submit Promptly: You must apply within 49 days of becoming disabled to qualify for SDI

Step 4: Cooperate with Medical Reviews

After applying:

• Respond to all SSA or EDD communications
• Complete any requested medical exams (CEs)
• Submit updated medical records if asked

Step 5: Check Your Case Status

Track your SSDI or SSI claim at ssa.gov using a mySSA account, or call your local SSA office. For SDI, monitor your claim at edd.ca.gov via your UI Online or SDI Online account.

Step 6: Prepare for a Possible Denial and Appeal

Many disability claims are denied initially. If that happens:

• File a Request for Reconsideration within 60 days
• If denied again, request a hearing before an Administrative Law Judge (ALJ)
• Keep gathering and submitting updated medical evidence