Steps to Apply for Social Security Disability in New Jersey

Step 1: Determine Which Program You Qualify For: SSDI vs. SSI

The first step in applying for Social Security Disability benefits is to determine which program best fits your needs:

• SSDI (Social Security Disability Insurance): This program is for individuals who have worked and paid into Social Security through payroll taxes. If you have worked long enough and earned enough Social Security credits, you may qualify for SSDI, regardless of your income or assets.
• SSI (Supplemental Security Income): If you don’t have a work history or your income and assets are limited, you may be eligible for SSI. SSI is based on financial need and is available to those with disabilities, blindness, or age 65 and older who have limited resources.

Step 2: Understand the Eligibility Criteria

Regardless of the program you are applying for, you must meet certain eligibility requirements:

• For SSDI: You must have worked a certain number of years and paid Social Security taxes. The number of years depends on your age at the time of your disability. Additionally, your disability must meet the SSA’s definition of disability, which means it must be severe enough to prevent you from working and expected to last for at least 12 months or result in death.
• For SSI: You don’t need a work history to qualify, but you must have limited income and resources. As of 2025, the limit for assets is $2,000 for an individual and $3,000 for a couple. Your condition must also be severe enough to meet SSA’s disability requirements.

Step 3: Gather Required Documents

To apply for Social Security Disability in New Jersey, you’ll need to provide documentation supporting your disability and financial situation. This includes:

• Medical Records: Gather your doctor’s notes, test results, hospital records, and any other relevant medical documentation that shows the severity of your disability.
• Work History (SSDI applicants only): Provide details of your past employment, including job titles, dates of employment, and descriptions of duties.
• Financial Information (SSI applicants only): You’ll need to provide documentation of your income, assets, and financial resources.

Step 4: Submit Your Application

Once you have the necessary documents, you can submit your application. There are several ways to apply for Social Security Disability benefits in New Jersey:

• Online: The quickest and most convenient way to apply is online through the SSA’s website at www.ssa.gov. This allows you to apply from anywhere at any time.
• By Phone: You can apply by calling the SSA’s toll-free number at 1-800-772-1213. This allows you to complete the application with the help of a representative.
• In-Person: You can also apply in person at your local Social Security office. Use the SSA’s office locator tool to find your nearest office in New Jersey.

Step 5: Submit Your Medical and Financial Evidence

Along with your application, be sure to include all the necessary supporting documentation. This includes:

• Medical Records: Your doctor’s notes, lab results, imaging reports, and other records showing the extent of your disability.
• Work History (for SSDI): A detailed work history with job titles, dates, and duties.
• Financial Information (for SSI): Proof of income, bank statements, and details of any other financial resources.

The more thorough your documentation, the better your chances of approval.

Step 6: Understand the SSA’s Evaluation Process

After your application is submitted, the SSA will review your case based on a five-step evaluation process:

• Step 1: Are you currently working? If you’re earning more than a certain threshold, you may not qualify for benefits.
• Step 2: Is your condition severe? Your medical condition must prevent you from performing basic work tasks.
• Step 3: Does your condition match one of the SSA’s listed impairments? If so, you may automatically qualify.
• Step 4: Can you perform your previous work? The SSA will check whether you can still perform your past job.
• Step 5: Can you do any other work? If you cannot do your past work, the SSA will evaluate whether you can perform other types of work based on your skills and education.

Step 7: Follow Up on Your Application

Once your application is submitted, stay on top of your claim’s status. You can track the progress of your application by creating an SSA online account or by calling the SSA at 1-800-772-1213. If the SSA requests additional information, respond promptly to avoid delays.

Step 8: Be Prepared for a Denial

It’s common for disability claims to be denied initially. If your claim is denied, you can appeal the decision. The first step is to request a reconsideration, where the SSA will review your claim again. If the reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ), which is an opportunity to present your case in person.