Understand the Basic Eligibility Criteria

To qualify for disability benefits, you must meet certain medical and non-medical requirements:

• Work History (SSDI only): You need to have earned enough work credits by paying Social Security taxes.
• Income and Assets (SSI only): SSI is need-based, so your income and resources must fall below certain limits.
• Disability Duration: Your condition must prevent you from working for at least 12 months or be expected to result in death.

Meet the Social Security Administration’s Definition of Disability

The SSA uses a strict definition of disability. You must show that:

• You are unable to do the work you did before
• You cannot adjust to other types of work due to your condition
• Your disability has lasted or is expected to last at least one year

Your condition must also be supported by strong medical documentation.

Know the Five-Step Evaluation Process

SSA follows a five-step process to determine eligibility:

1. Are you working? If you earn over a set amount each month, you may be ineligible.
2. Is your condition severe? It must significantly limit your ability to do basic tasks.
3. Is your condition on the SSA's List of Impairments?
4. Can you perform past work?
5. Can you adjust to other work?

Providing evidence for each of these steps is crucial to support your claim.

Gather Comprehensive Medical Documentation

Medical evidence is the foundation of your case. Be sure to:

• Visit your doctor regularly and follow treatment plans
• Collect all medical records, test results, and specialist notes
• Get a detailed statement from your physician explaining how your condition limits your daily activities and work ability

Submit a Complete and Accurate Application

You can apply online at ssa.gov, by phone, or at your local SSA office. Make sure to:

• Answer every question clearly and truthfully
• Include all relevant documentation
• Double-check that no information is missing or inconsistent

Mistakes or omissions are one of the most common reasons for denials.