Skip to content

Hundreds of AARP member benefits. One convenient place to explore them. Check it out!

 

How to apply for Social Security disability

You can apply online for Social Security Disability Insurance (SSDI). You may want to assemble all the documents you need ahead of time; Social Security provides a handy, and lengthy, checklist.

You can also apply by telephone at 800-772-1213 or in person at your local Social Security office. If you want a Social Security representative to assist you with your application, call the number above to schedule an appointment.

Applicants cannot be receiving any kind of Social Security benefit already. You also cannot apply if you have been turned down for SSDI in the prior 60 days.

For your SSDI application to be approved, you must demonstrate severe or total disability: an injury or condition that prevents you from engaging in “substantial gainful activity” (i.e., most work) and is expected to last at least one year or end in death. Social Security maintains a detailed list of impairments with additional information on how it evaluates disability claims.

If you believe you may qualify for Social Security Disability Insurance, get the process started as soon as possible. It takes more than three months on average to get an initial decision on a disability claim; many are denied at first, and the appeals process can take months, even years, due to a huge backlog of cases.

Keep in mind

  • Unlike with retirement benefits, your age does not affect your SSDI benefit. If your disability claim is approved, your payment is calculated as if you had reached full retirement age (the age at which you can receive 100 percent of the benefit you are entitled to, based on your earnings history).
  • “Substantial gainful activity” is defined by a cap on work income that changes annually based on national wage trends. In 2018 the limit is $1,180 a month ($1,970 a month for the statutorily blind). Outside of trial work periods and programs designed to help SSDI recipients get back into the labor force, you cannot collect disability if you are earning more.

Published October 10, 2018

Join the Discussion

0 | Add Yours

Please leave your comment below.

You must be logged in to leave a comment.

GO TO THIS ARTICLE