Know Which Program You’re Applying For

The Social Security Administration (SSA) offers two types of disability benefits:

• Social Security Disability Insurance (SSDI): For individuals who have worked and paid Social Security taxes.
• Supplemental Security Income (SSI): For individuals with limited income and resources, regardless of work history.

Many applicants in New York apply for one or both programs depending on their circumstances.

Meet the SSA’s Basic Eligibility Criteria

To qualify for either SSDI or SSI, you must meet certain requirements:

• You must have a disabling medical condition expected to last at least 12 months or result in death.
• For SSDI: You must have a sufficient work history and have paid into the Social Security system.
• For SSI: Your income and assets must fall below certain thresholds.

Your condition must also prevent you from doing any substantial gainful activity (SGA).

Gather the Necessary Medical and Personal Documentation

Before you apply, be sure to have the following ready:

• Medical records from all healthcare providers.
• A list of your current medications and treatments.
• Employment history for the last 15 years.
• Information about your education and job skills.
• Banking and financial documents if applying for SSI.

Providing detailed, accurate documentation upfront can help avoid delays and increase your chances of approval.

Apply for Disability Benefits in New York

There are three ways to apply:

• Online: Visit www.ssa.gov to complete your application at your convenience.
• By phone: Call the SSA at 1-800-772-1213.
• In person: Visit a local Social Security office in New York. Appointments are recommended.

When filling out the application:

• Be thorough and honest about your medical condition and how it affects your ability to work.
• Include all relevant medical evidence.
• Double-check for accuracy to avoid errors or missing information.

Understand the Application Review Process

Once your application is submitted:

• The SSA will review your non-medical eligibility (e.g., income, work history).
• Your case is sent to the New York Disability Determination Services (DDS) for medical review.
• DDS may request additional medical exams at no cost to you (known as consultative exams).

The decision process can take several months. You will receive a decision by mail.

Know Your Options if You’re Denied

Many initial disability claims in New York are denied. If that happens:

• You have 60 days to appeal the decision.
• The first step is a Request for Reconsideration, followed by a hearing before an Administrative Law Judge (ALJ) if needed.
• Submitting new medical evidence can strengthen your appeal.