Step 1: Determine Which Disability Program Applies to You

In New York, you may qualify for one or both of the following:

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

Both programs require proof that your condition will last at least 12 months or is expected to result in death.

Step 2: Gather Your Documentation

Before starting your application, collect the following:

• Medical records (hospital visits, doctor’s notes, test results)
• A list of medications
• Work history for the past 15 years
• Education background
• Financial records (especially for SSI)

In New York, your medical evidence must clearly show that your disability prevents you from working.

Step 3: File Your Application

You can apply for disability benefits in New York through:

• The SSA website – www.ssa.gov
• Calling SSA at 1-800-772-1213
• In person at your local Social Security office (appointments recommended)

When applying:

• Be detailed and honest
• Don’t leave any sections blank
• Submit all required documentation

Step 4: Wait for a Decision

After you apply, the SSA will forward your file to New York’s Disability Determination Services (DDS), a state agency that reviews your medical eligibility. The process typically takes 3 to 6 months, depending on your case.

You can check your status online by creating a “my Social Security” account.

Step 5: Appeal if Denied
It’s common for applications to be denied initially. In New York, you have 60 days to file an appeal. The four stages of appeal are:

1. Reconsideration
2. Hearing by an Administrative Law Judge (ALJ)
3. Review by the Appeals Council
4. Federal Court Review

You can submit new evidence during the appeals process, which often increases your chances of approval.

Step 6: Stay Organized and Follow Up

Keep records of everything you submit, mark all deadlines, and promptly respond to any SSA requests for additional documents or exams. In New York, responding quickly helps avoid unnecessary delays.