Step 1: Understand the Eligibility Requirements

Before you begin the application process, ensure that you meet the eligibility criteria for SSDI or SSI:

• SSDI: If you have worked and paid into Social Security for a sufficient number of years, you may qualify for SSDI. The number of work credits required depends on your age and when you became disabled.
• SSI: SSI is a need-based program, which means it is based on your financial situation rather than your work history. If you are low-income and have a qualifying disability, you may be eligible for SSI benefits.

Both programs require you to prove that your disability is severe enough to prevent you from working for at least 12 months or is expected to result in death.

Step 2: Gather the Necessary Documentation

The most important part of your disability claim is the medical evidence. The Social Security Administration (SSA) needs to see that your condition is severe enough to keep you from working. Here’s how to prepare:

• Medical Records: Gather your medical records, including doctor’s notes, lab results, hospital records, and any other documents that show the severity of your condition.
• Work History: For SSDI, you will need to provide detailed information about your past work history, including job titles, dates of employment, and job responsibilities.
• Income and Assets: For SSI, you will need to provide information about your income and assets, as SSI has strict financial eligibility requirements.

Step 3: Complete the Application

Once you have all your documents ready, it’s time to fill out the application. You can apply for SSDI and SSI benefits online, by phone, or in person at your local SSA office in Missouri. Here’s how to proceed:

• Apply Online: The fastest and easiest way to apply is through the SSA’s online portal at www.ssa.gov.
• Apply In-Person: You can also visit your local SSA office. Find a nearby office using the SSA’s office locator tool.
• Apply by Phone: If you are unable to apply online or in person, you can apply by phone by calling the SSA at 1-800-772-1213.

Step 4: Wait for the SSA’s Decision

After you submit your application, the SSA will review your claim and make a decision. This process can take several months, so it’s important to be patient. If you are approved, you will receive a notice detailing the benefits you are entitled to, including the amount and the start date. If your application is denied, you will have the option to appeal the decision.

• Approval Notice: If approved, you will receive information on the amount of benefits you will receive and the payment schedule.
• Denial Notice: If denied, the SSA will send you a notice explaining the reasons for the denial and what steps to take next.

Step 5: Be Prepared for a Denial

It is not uncommon for disability claims to be denied on the first attempt. If you receive a denial, don’t give up. You have the right to appeal the decision. The appeals process in Missouri involves several steps:

• Request Reconsideration: The first step is to request reconsideration, where the SSA will review your claim again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is where you will have the opportunity to present your case in person.
• Appeal Further: If you are still denied after the hearing, you can continue to appeal through the SSA’s Appeals Council or federal court.

Step 6: Consider Getting Help

While you can apply for disability benefits on your own, the process can be overwhelming, especially if your claim is complicated or if you face a denial. Having help can significantly improve your chances of success. Consider consulting with a disability lawyer or advocate, especially if you need to appeal a decision or navigate the complex system.