Understand the Types of Disability Benefits

Before applying, make sure you’re applying for the correct program:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid into Social Security for a certain number of years.
• SSI (Supplemental Security Income): For individuals with low income and limited resources, regardless of work history.

You must also prove that your disability is expected to last at least 12 months or result in death.

Gather Necessary Documents and Information

To apply, you’ll need the following:

• Medical records from doctors, hospitals, and clinics
• Contact info for all medical providers
• List of medications and treatments
• Detailed work history for the past 15 years
• W-2 forms or tax returns (for SSDI applicants)
• Proof of income and resources (for SSI applicants)

Organizing this information ahead of time can prevent delays and strengthen your claim.

Apply Online, By Phone, or In Person

There are three ways to apply for disability in New Jersey:

• Online: Visit www.ssa.gov/applyfordisability — the fastest and most convenient method.
• By Phone: Call the SSA at 1-800-772-1213 (TTY 1-800-325-0778). They’re available Monday through Friday, 8 a.m. to 7 p.m.
• In Person: Visit a local Social Security office in New Jersey. Use the SSA Office Locator to find the nearest location.

Be prepared to spend 1–2 hours on the application and to answer questions about your condition, work history, and financial status.

Your Application Will Be Reviewed by New Jersey’s DDS

After submission, your application is sent to Disability Determination Services (DDS) in New Jersey. DDS reviews your medical records and may:

• Request additional documentation
• Contact your doctors
• Schedule a Consultative Exam (CE) with an SSA-approved doctor

This process can take 3 to 5 months, or longer in some cases.

What to Expect After Applying

You will receive a written decision in the mail. There are three possible outcomes:

• Approved: You will receive a notice of award with payment details.
• Denied: Most initial applications are denied — but you have the right to appeal.
• Request for More Info: SSA or DDS may ask for additional evidence before making a decision.

If Denied, File an Appeal Promptly

If your claim is denied, don’t give up — you have 60 days to appeal:

• Step 1: Reconsideration
• Step 2: Hearing before an Administrative Law Judge (ALJ)
• Step 3: Appeals Council
• Step 4: Federal Court (if necessary)

Many applicants win benefits at the hearing level, especially with legal representation.