Applying for Disability Benefits

In the unfortunate case that you have become disabled, you should start your disability application as soon as possible. Because the application process can be lengthy (up to five months), it is beneficial to start the paperwork for disability benefits right away. In order to apply for disability benefits, you must first determine whether you are eligible under federal laws. The Social Security Administration (SSA) has very strict qualification criteria and disability definitions. Keep in mind that even if you're very ill and unable to do your job, there are some instances in which the government will still not grant you disability benefits.

You can submit the initial stage application for disability benefits in several ways: through the SSA website, over the phone, or at a local SSA office in person. The quickest and easiest method is online, and you can access the disability application here: www.socialsecurity.gov/disabilityreport. The more prepared you are to complete the application, the quicker you can complete the disability process. The SSA requires the following information for your disability consideration:

- Your social security number
- Your birth certificate
- Contact information and dates for all hospitals, clinics, doctors, and/or caseworkers involved with your disability case.
- A list of current medications and dosages
- Any laboratory test results
- All medical records in your possession from doctors, hospitals, and clinics.
- A brief summary of where you worked and a description of your work
- A copy of your most recent W-2 tax form or equivalent tax document

If you have trouble collecting all of this information right away, you should still complete the initial disability application as quickly as possible. You can submit the extra information, along with several other required medical forms after your application is completed. However, keeping your medical records organized and available is one of the best ways to ensure that your application is approved.
If your application is approved, you will receive a letter from the SSA listing the monthly benefits awarded, which is determined by your average lifetime earnings, and the effective date of your benefits. If your application is not approved, don't give up yet. In the initial stage, more than 60 percent of applications are denied because of the sheer volume the SSA receives. You have the option to appeal and attempt to overturn the denial ruling and get the benefits you require. If this is the case, seeking the assistance of a social security attorney or advocate can help make your case stronger.