Initial Application Process

The first step in applying for SSDI is submitting your application to the Social Security Administration (SSA). You can apply online, over the phone, or in person at a local SSA office. After your application is submitted, here’s what happens:

• Initial Review: The SSA will review your application and medical records to determine if you meet the basic eligibility criteria.
• Timeline: This review typically takes around 3 to 5 months. The SSA may request additional information during this time, which can add delays.

How Long Does it Take to Get a Decision?

Once the SSA completes the initial review of your application, you will receive a decision. There are a few possible outcomes:

• Approval: If your claim is approved, you will begin receiving benefits. However, it’s important to note that the process can take longer to finalize once approved due to the need to set up payment systems and other administrative tasks.
• Denial: If your claim is denied, you can appeal the decision.

On average, 60-70% of SSDI claims are denied at the initial application stage. This is why it’s important to ensure you’ve submitted the most detailed and accurate medical evidence possible to avoid delays.

What Happens If Your Claim is Denied?

If your SSDI application is denied, you can appeal the decision. The appeals process can take additional time, depending on how far you go with your appeal. The steps for appealing are as follows:

Reconsideration

If your claim is denied, the first level of appeal is a reconsideration. In this phase, your claim is reviewed again by a different SSA official.

• Timeline: The reconsideration process typically takes about 3 to 5 months.

Request for a Hearing

If the reconsideration is also denied, you have the right to request a hearing before an Administrative Law Judge (ALJ). This is where you can present your case in person and provide additional evidence.

• Timeline: Requesting a hearing is often the longest part of the appeals process. In Maryland, you may have to wait 12 to 18 months for a hearing date. This wait time varies by location, but the backlog of cases is often a significant factor.

Final Decision

After your hearing, the ALJ will issue a decision. If your claim is approved, benefits will be awarded. If the ALJ denies your claim, you can further appeal to the Appeals Council and, ultimately, to a federal district court if necessary.

• Timeline: A hearing decision may take anywhere from 2 to 3 months after the hearing.

Average SSDI Timeline in Maryland

Considering the steps involved in the application and appeal process, the overall timeline can look like this:

• Initial Application: 3 to 5 months
• Reconsideration (if applicable): 3 to 5 months
• Hearing (if applicable): 12 to 18 months
• Final Decision: 2 to 3 months after the hearing

This means that, for many applicants in Maryland, the total process could take 12 to 24 months, or even longer, depending on whether you need to go through the appeal stages.

Factors That Affect the Timeline

Several factors can influence how long it takes to get SSDI in Maryland, including:

• Completeness of Your Application: Providing all required documents and medical records at the time of submission can help speed up the process.
• SSA Backlog: The SSA sometimes experiences a backlog of applications, especially in busy states or areas. This can lead to longer wait times.
• Complexity of Your Case: If your medical condition is complex or difficult to prove, it may take longer for the SSA to make a decision.
• Appeals Process: If your claim is denied and you need to go through the appeals process, it will add significant time to the overall wait.

Ways to Speed Up the Process

While you can’t control everything about the SSDI timeline, there are steps you can take to help prevent unnecessary delays:

• Submit Complete Documentation: Make sure your medical records, work history, and all supporting documentation are submitted accurately and completely.
• Seek Help from a Disability Attorney or Advocate: An experienced SSDI attorney can ensure that your application is well-prepared, and they can assist with any appeals, which may reduce the chance of further delays.
• Follow Up Regularly: Keep track of your application and any requests for additional information from the SSA. Respond promptly to any communication to keep the process moving.