Step 1: Determine Your Eligibility

To apply for SSDI or SSI, you must meet certain criteria:

• SSDI Eligibility: You must have worked long enough and recently enough while paying Social Security taxes (FICA).
• SSI Eligibility: This is a need-based program that doesn’t require a work history, but does have strict income and asset limits.
• For both programs, you must demonstrate that your disability prevents you from working and is expected to last at least 12 months or result in death.

You can check the SSA Blue Book to see if your condition meets a listed impairment.

Step 2: Gather Medical and Personal Documentation

Strong documentation is essential for a successful disability claim:

• Medical Records: Include test results, physician notes, diagnoses, and any treatment plans.
• Doctor’s Statements: A letter from your treating doctor explaining how your condition limits your ability to work is very helpful.
• Employment History: Be ready to provide your work record for the past 15 years.
• Personal Information: This includes your birth certificate, Social Security number, and proof of citizenship or legal residency.

Step 3: Submit Your Application

You have three main options to file your application in New York:

1. Online: Visit ssa.gov to file securely and conveniently.
2. By Phone: Call the SSA at 1-800-772-1213 to apply or set up an appointment.
3. In Person: Visit your local SSA office in New York. It’s recommended to call ahead to confirm office hours and requirements.

Be thorough when filling out the application. Mistakes or missing details can lead to delays or denials.

Step 4: Track Your Application and Respond Promptly

Once your application is submitted:

• Monitor Progress: Create an account at ssa.gov/myaccount to track your claim.
• Respond Quickly: If SSA or New York Disability Determination Services (DDS) requests additional information, reply immediately.
• Attend Appointments: If SSA schedules a consultative exam, be sure to attend. Missing it may result in denial.

Step 5: Be Prepared for the Possibility of a Denial

Many initial claims are denied—even if valid. If that happens:

• Don’t panic. You have the right to appeal.
• Request a reconsideration within 60 days.
• Be ready to submit updated medical evidence or documentation.