If you or a loved one experience a disabling condition that impacts your ability to work, you may be eligible for disability benefits from the Social Security Administration. These benefits can provide much-needed financial support during challenging times.
Because applying for these benefits is often complex, you must understand what you need before getting started.
Completed application
At the center of your disability benefits application is the application form. You can complete this form online through the SSA’s website or by scheduling an appointment at your local office to fill out a paper application. Ensure that you provide accurate and complete information on the form.
Work credits
To qualify for disability benefits, you must have a sufficient number of work credits. The SSA determines work credits based on your work history and the amount of time you have spent working and paying Social Security taxes. The number of credits required varies depending on your age and the specific program you are applying for.
Medical documentation
One of the key components of your application is medical documentation. Accordingly, you must provide detailed medical records that outline your condition, its severity and how it impacts your ability to work. This includes reports from doctors, hospitals, clinics and any other providers who have treated you.
Detailed work history
The SSA also requests a comprehensive work history from applicants. This includes information about your past employers, job titles, job descriptions and dates of employment. This information helps the SSA assess your work history and determine if your disability prevents you from performing substantial gainful activity.
Financial information
While disability benefits are not based on your income or assets, you will still need to provide certain financial information. This typically includes bank account details, which enables the SSA to facilitate the payment process.
According to the SSA, the office received 1,804,384 disability applications in 2022 alone. To ensure that your application receives the attention it deserves, you must fully understand the application process. You must also provide any additional information or attend medical evaluations as requested.
