Understand the Eligibility Requirements

Before you apply for SSDI, make sure you meet the Social Security Administration’s (SSA) eligibility criteria. Here’s what you need to know:

• Work History: To qualify for SSDI, you must have worked in jobs where you paid Social Security taxes. The SSA uses a work credits system to determine if you have enough work history to qualify.
• Disability: You must have a medical condition that prevents you from working for at least 12 months or is expected to result in death. The SSA evaluates your disability based on a five-step process.

Make sure you meet these requirements before proceeding with the application.

Gather the Necessary Documentation

Before applying for SSDI, it’s important to gather all the required documents. Here’s a list of what you’ll need:

• Personal Information: Your Social Security number, birth certificate, and information about your family (if applicable).
• Medical Records: Detailed records from your doctors, hospitals, and clinics about your condition and treatment history. The more thorough the documentation, the stronger your claim will be.
• Work History: A complete list of your jobs for the past 15 years, including employer names, addresses, and the dates you worked there.
• Income and Financial Information: If you are applying for SSI as well, you’ll need to provide information about your income and assets.

Start the Application Process

Once you have your documents in order, you can begin the application process. There are a few different ways to apply for SSDI in Maryland:

• Online: The easiest and most efficient way to apply is through the SSA’s online portal at www.ssa.gov. This method allows you to submit your application directly to the SSA, and you can do it at your convenience.
• In Person: If you prefer, you can visit a Social Security office in Maryland. You’ll need to schedule an appointment beforehand. To find the nearest office, you can use the SSA’s office locator tool on their website.
• By Phone: You can also apply over the phone by calling the SSA at 1-800-772-1213. The representative will guide you through the application process.

Complete the Application Accurately

When applying, make sure to be as thorough and honest as possible. Here are a few tips for completing your application:

• Be Detailed: The more detailed your application, the better. Don’t leave out any information about your disability or medical treatment.
• Be Honest: Always provide truthful and accurate information about your condition, work history, and income.
• Double-Check: Review your application to ensure all sections are filled out correctly. Missing or incorrect information can delay the process or lead to a denial.

Submit Medical Evidence

The medical evidence you provide is crucial to your SSDI claim. The SSA will evaluate your case based on medical records that show the severity of your disability. Here’s how to ensure your medical evidence is strong:

• Visit Your Doctor Regularly: Regular doctor visits create an ongoing record of your condition, which is essential for your claim.
• Request Detailed Reports: Ask your doctor to provide a written statement about how your disability impacts your ability to work.
• Include Specialist Records: If you see any specialists (e.g., rheumatologists, neurologists), be sure to submit their records as well.

Track Your Application Status

After you’ve submitted your application, you can track its status through your SSA online account. The SSA will review your application and typically send you a decision within 3 to 5 months. You’ll receive a letter detailing whether your application was approved or denied.

Be Prepared for a Possible Denial

It’s important to note that most SSDI applications are denied at the initial stage. If you receive a denial, don’t get discouraged. You have the right to appeal. The appeals process involves:

• Requesting Reconsideration: The SSA will review your claim again with new evidence or corrected information.
• Requesting a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ), where you can present your case in person.
• Appeals Council: If the ALJ denies your claim, you can ask the Appeals Council to review your case.