Understand the Types of Disability Benefits

The Social Security Administration (SSA) offers two main programs:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid Social Security taxes.
• SSI (Supplemental Security Income): For individuals with limited income and resources, regardless of work history.

Both require that your disability prevents you from working for at least 12 months or is expected to result in death.

Check If You’re Eligible

Before applying, make sure you meet the basic eligibility criteria:

• You have a medically diagnosed condition that significantly limits your ability to work.
• Your condition is expected to last at least a year or result in death.
• For SSDI: You must have a sufficient work history.
• For SSI: You must meet income and asset limits.

Review the SSA’s Listing of Impairments to see if your condition qualifies under their guidelines.

Gather All Required Documentation

To apply successfully, you’ll need the following:

• Medical records (doctor’s notes, hospital records, test results)
• Work history (past jobs, job duties, dates)
• Personal information (birth certificate, Social Security number, financial details)

Be thorough and accurate. Missing information can delay or jeopardize your application.

Apply Online, by Phone, or In-Person

Residents of Pennsylvania can apply for disability in three ways:

• Online: Visit www.ssa.gov for the fastest and most convenient method.
• By phone: Call the SSA at 1-800-772-1213 to apply with a representative.
• In-person: Schedule an appointment at your local Social Security office in Pennsylvania.

Be Honest and Detailed

Your application should clearly describe:

• The nature and severity of your medical condition
• How it affects your daily activities and work ability
• The treatments you’ve received and how you’ve responded

Avoid vague statements. Specific examples and thorough documentation improve your case.

Track Your Application and Respond Promptly

Once submitted, monitor your application status:

• Create an SSA online account to track updates, submit additional documents, or respond to requests.
• Reply quickly to any follow-up inquiries from the SSA to avoid delays or denials.

What If You’re Denied?

Many first-time applications are denied — even valid ones. If this happens:

• Don’t panic. You have the right to appeal.
• Request reconsideration within 60 days.
• Gather additional medical evidence to strengthen your case.

Appeals can be complex, so many applicants seek professional guidance at this stage.