Step 1: Determine If You Qualify

To qualify for SSDI, you must meet two primary requirements:

• Work History: You must have worked and paid Social Security taxes for a sufficient number of years.
• Medical Disability: You must have a qualifying medical condition that prevents you from working and is expected to last at least 12 months or result in death.

The Social Security Administration (SSA) uses a five-step evaluation process to determine if you are disabled.

Step 2: Gather Your Medical and Work Records

Before applying, it's important to collect detailed documentation that supports your claim:

• Medical records from doctors, specialists, hospitals, and clinics
• Treatment history, lab results, and prescriptions
• Work history for the past 15 years
• W2s or tax returns to show your earnings history

Having complete and accurate records will help the SSA process your claim faster and more accurately.

Step 3: Submit Your Application

You can apply for SSDI in Missouri using one of the following methods:

• Online at the SSA's official website
• By phone by calling the SSA at 1-800-772-1213
• In person at your local Social Security office

When completing your application, be thorough and honest. Incomplete or inaccurate applications are a common reason for denials.

Step 4: Monitor the Status of Your Claim

Once you've submitted your application, the SSA may take several months to make a decision. During this time:

• Respond promptly to any requests for additional information
• Track your application status through your SSA online account
• Stay in touch with your medical providers in case updated records are needed

Step 5: Be Prepared for a Possible Denial

It’s not uncommon for initial SSDI applications to be denied. If that happens, don’t give up—you have options:

• Request Reconsideration within 60 days
• Request a hearing before an Administrative Law Judge if reconsideration is denied
• Continue gathering updated medical evidence during this process