1. Understand Which Program Applies to You

There are two federal disability programs:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid into Social Security long enough to qualify.
• SSI (Supplemental Security Income): For individuals with limited income and resources, regardless of work history.

Your eligibility depends on your work history, income level, and medical condition.

2. Check if Your Medical Condition Qualifies

The Social Security Administration (SSA) maintains a list of impairments that are considered severe enough to qualify as disabilities. To be approved:

• Your condition must prevent you from working for at least 12 months, or be expected to result in death.
• The SSA will consider how your condition affects your ability to work, not just the diagnosis itself.

Even if your condition isn’t on the official list, you may still qualify if you can prove it’s disabling.

3. Gather Important Documents Before You Apply

Before starting your claim, collect the following:

• Medical records from all doctors and hospitals
• A list of current medications
• Names and contact info of all treating physicians
• Work history and dates of employment for the past 15 years
• Tax forms or pay stubs to show income
• A birth certificate and Social Security number
• Banking info if you want direct deposit

Having this information ready will speed up the application process and reduce the chance of delays.

4. Submit Your Application

You can start your disability claim in New Jersey by:

• Applying online at www.ssa.gov
• Calling the SSA at 1-800-772-1213
• Visiting a local Social Security office in New Jersey

Online applications are often the fastest and most convenient option, especially if your case isn’t urgent.

5. Fill Out All Forms Completely and Accurately

The SSA will ask for detailed information about:

• Your medical conditions
• Work history
• Daily activities and how your disability affects them

Answer honestly and thoroughly. Incomplete or vague responses can lead to denials or delays. Don’t minimize your symptoms — be honest about how your condition affects your life.

6. Monitor Your Application Status

After you apply:

• Create an SSA account to check your claim status online.
• Respond quickly to any requests for additional information.
• Keep copies of everything you submit.

Processing times vary, but you can expect to wait several weeks to months for a decision.

7. Be Prepared for a Possible Denial

Unfortunately, many initial disability claims are denied. If this happens, don’t panic — you have the right to appeal the decision. In fact, many people are eventually approved during the appeals process.