How To Apply For Social Security Disability Benefits

Learning how to apply for Social Security disability benefits can be one of your top priorities if you have recently become disabled and are unable to work due to a physical or mental disability. The Social Security disability program pays you benefits while you are disabled, as long as you qualify. There are two programs for benefits available:  Social Security Disability Insurance Benefits (DBI) and Supplemental Security Income (SSI), the latter of which is for people with no or reduced income. There are three ways to apply for Social Security Disability Benefits: online, over the phone or in person. Don't worry, it's a fairly easy process.

1. Apply online at the Social Security Administration's website. Follow the links to "Disability and SSI." To go directly to the application start page, follow the link below. There you can apply for Social Security disability benefits after you select the appropriate age category.
   
2. Complete the online application for Social Security benefits. You will need to spend approximately 30 minutes reading through the instructions before completing the form. Provide your medical history where instructed. Here, you will need to give permission to access your medical records.
3. Visit your local Social Security Administration office. If you prefer to apply for Social Security disability benefits in person, go to your local Social Security office and apply in person.
4. Call the Social Security Administration if you wish to apply by phone. An agent will help you to understand how to apply for Social Security disability benefits over the telephone. The numbers to call are (800) 772-1213 or (800) 325-0778.

You should apply for Social Security disability benefits as soon as you become disabled. However, you will not be entitled to disability payments, even if approved, until you have been disabled for six months. Once you have applied for Social Security disability benefits, it can take up to five months to determine if you are eligible for disability benefits. If after you apply for Social Security Disability Benefits you find out that you were denied, in most cases you can appeal the denial.

Resources:

Social Security Online