Step 1: Make Sure You Meet SSDI Eligibility Requirements

Before you apply, confirm that you meet the two key criteria for SSDI:

• Work History: You must have earned enough “work credits” through previous jobs where you paid Social Security taxes.
• Medical Disability: You must have a severe medical condition that is expected to last at least 12 months or result in death, and that prevents you from engaging in substantial gainful activity (SGA).

If you’re unsure whether you meet the criteria, consult a disability advocate or attorney for a free evaluation.

Step 2: Collect the Required Documentation

Having all necessary information ready will make the application process go more smoothly. Gather the following:

• Social Security number
• Birth certificate or proof of age
• Work history over the past 15 years
• List of all medical providers, diagnoses, and treatment dates
• Current medications and dosages
• Medical records and test results
• A description of how your condition affects your ability to work and perform daily activities

This information will help the Social Security Administration (SSA) evaluate the severity of your condition.

Step 3: File Your Application

There are several ways to apply for SSDI in New Jersey:

• Online: Apply through the SSA’s secure website
• Phone: Call SSA at 1-800-772-1213 to apply over the phone
• In-Person: Schedule an appointment at your local Social Security office

Be prepared to answer detailed questions about your health, finances, and work history.

Step 4: Complete the Adult Disability Report

As part of the SSDI application process, you must fill out the Adult Disability Report, which asks about your:

• Medical conditions and limitations
• Treatment history
• Work background
• Education and job skills

This report helps SSA understand how your disability impacts your ability to work.

Step 5: Cooperate With the SSA’s Review Process

After you submit your application:

• SSA will review your medical records and may contact your doctors
• You may be asked to attend a consultative exam with a physician of their choosing
• The review process can take 3 to 6 months, or longer in some cases

Keep track of any communication from SSA and respond promptly to avoid delays.

Step 6: Check the Status of Your Application

You can monitor your application’s progress by:

• Creating a “my Social Security” account online
• Calling the SSA directly for updates
• Keeping copies of all paperwork and correspondence

If your application is denied, don’t panic—you have the right to appeal.