Step 1: Make Sure You Meet the Basic SSDI Requirements

Before applying, confirm that you meet the SSDI eligibility rules:

• Work History: You must have earned enough Social Security work credits, typically by working at least 5 of the last 10 years.
• Medical Condition: Your condition must meet the Social Security Administration’s (SSA) definition of a disability—it must prevent you from working and be expected to last at least 12 months or result in death.
• Inability to Work: You must be unable to engage in substantial gainful activity (SGA) because of your condition.

Step 2: Gather All Necessary Documentation

To apply successfully, you’ll need to collect key documents, including:

• Medical records from doctors, hospitals, and clinics
• A list of all medications and treatments
• Work history for the past 15 years
• W-2 forms or tax returns
• Your Social Security number and birth certificate
• Contact information for all healthcare providers

Having complete, accurate information ready will help avoid delays or denials.

Step 3: Apply for SSDI Through the SSA

There are three main ways to apply:

• Online: Visit the SSA website at www.ssa.gov and use the online disability application portal. This is the fastest and most convenient method.
• By Phone: Call the SSA at 1-800-772-1213 to apply over the phone or schedule an appointment.
• In Person: Visit your local Social Security office in Connecticut (appointments recommended). You can find the nearest location on the SSA’s website.

Step 4: Complete the Application Accurately

Be honest, thorough, and detailed when filling out your application. Key tips:

• Provide clear explanations of how your condition impacts your ability to work
• Do not skip any sections or leave out requested documents
• Double-check your entries for accuracy

Even small errors can result in delays or denials.

Step 5: Wait for a Decision (and Be Prepared for a Delay)

After submitting your application, the SSA may take 3 to 6 months or more to make a decision. During this time:

• The SSA will contact your doctors and review your medical evidence
• You may be asked to attend a consultative exam with a third-party doctor
• You can check your claim status online or by calling the SSA

Step 6: If Denied, You Can Appeal

It’s common for SSDI claims to be denied initially. If this happens, don’t give up—you have the right to appeal within 60 days. The appeals process includes:

• Reconsideration
• Hearing with an Administrative Law Judge
• Appeals Council Review
• Federal Court

An appeal often results in benefits being approved, especially with strong evidence and legal guidance.