Step 1: Determine Eligibility

Before applying, confirm that you meet the basic qualifications:

• SSDI: You must have a qualifying work history where you paid into Social Security through payroll taxes.
• SSI: You must meet strict income and resource limits; work history is not required.

For both programs, your disability must prevent you from working for at least 12 months or be expected to result in death.

Step 2: Prepare Your Documentation

Gathering thorough documentation is critical for a successful claim. You’ll need:

• Medical Records: Including test results, doctor notes, hospital visits, and ongoing treatment history.
• Doctor’s Statements: Written opinions from your treating physicians detailing how your condition limits your ability to work.
• Employment History: Work summaries for the past 15 years.
• Personal Records: Proof of identity, citizenship or legal residency, and financial records (for SSI).

Step 3: Submit the Application

You can apply in one of three ways:

• Online: Visit ssa.gov for a fast and secure application.
• Phone: Call the SSA at 1-800-772-1213.
• In-Person: Visit your local SSA office in New York. Call ahead to schedule an appointment and confirm what documents to bring.

Be accurate and detailed in your application. Mistakes or omissions can delay your claim or lead to a denial.

Step 4: Disability Determination Services (DDS) Review

Once submitted, your application goes to New York’s Disability Determination Services (DDS). DDS will:

• Review your medical evidence.
• Possibly request additional medical exams (called consultative exams).
• Contact your doctors or treatment providers for more information.

Step 5: Receive a Decision

You will receive a written decision in the mail. If your claim is:

• Approved: You’ll be notified of your benefit amount and when payments begin.
• Denied: Don’t panic—most initial applications are denied. You have the right to appeal.

Step 6: Appeal If Necessary

If your application is denied, act quickly:

• Reconsideration: File within 60 days of the denial.
• Hearing: If reconsideration is denied, request a hearing before an Administrative Law Judge (ALJ).
• Further Appeals: You may continue to the Appeals Council or even federal court if necessary.



At each stage, you can submit additional medical evidence or clarify previous information.