Steps to Apply for SSDI Benefits in Illinois

Step 1: Determine If You Are Eligible for SSDI

Before applying, you need to ensure you meet the eligibility criteria for SSDI. To qualify for SSDI, you must:

• Have worked and paid Social Security taxes for a certain number of years, depending on your age at the time of disability.
• Have a qualifying disability that prevents you from working. Your condition must be severe enough to keep you from engaging in substantial gainful activity (SGA) and expected to last at least 12 months or result in death.
• Not be working or earning above a certain threshold (the SGA limit for 2025 is $1,470 per month, or $2,460 if you're blind).

For a more detailed understanding of eligibility, you can refer to the Social Security Administration’s (SSA) guidelines on eligibility requirements.

Step 2: Gather the Required Documentation

Before applying for SSDI, make sure you have all the necessary documentation. This will help streamline the application process. Common documents include:

• Your Social Security number.
• Proof of identity (birth certificate, passport, etc.).
• Your medical records: Detailed information about your disability, including diagnoses, test results (e.g., MRIs, X-rays), treatments, and doctors' opinions on how your condition limits your ability to work.
• Work history: A list of the jobs you’ve held in the last 15 years, including the type of work you performed and how long you worked at each job.
• Financial information: If you are applying for Supplemental Security Income (SSI) in addition to SSDI, you will need to provide details about your income, savings, and other financial resources.

Make sure all your medical documentation is up-to-date and clearly shows how your disability impacts your ability to work.

Step 3: Apply for SSDI

You can apply for SSDI benefits in Illinois through several methods:

Online Application

The most convenient and quickest way to apply for SSDI is through the SSA’s online portal. Simply visit www.ssa.gov, create an account, and follow the instructions to submit your application. The online application is available for SSDI claims, but if you are applying for SSI, you may need to apply in person or by phone.

By Phone

If you prefer not to apply online or need assistance, you can apply over the phone by calling the SSA’s toll-free number at 1-800-772-1213. SSA representatives can guide you through the application process, answer questions, and help you with any required documentation.

In-Person at Your Local SSA Office

If you prefer to apply in person, you can visit a local SSA office in Illinois. To find your nearest office, use the SSA’s office locator. It's recommended to schedule an appointment in advance to avoid long wait times.

Step 4: Submit Your Application

Once you’ve completed your application, make sure to submit all the required documentation. Incomplete applications or missing documents can lead to delays or a denial of your claim. Double-check your medical records, work history, and financial information to ensure everything is accurate and up-to-date before submission.

Step 5: Wait for the SSA’s Decision

After submitting your application, the SSA will review your case and make a decision. This process can take anywhere from 3 to 5 months, depending on the complexity of your case and whether additional information is required.

If the SSA approves your claim, you will start receiving SSDI benefits. However, denials are common, especially for initial claims. If you are denied, you can appeal the decision.

Step 6: Appeal if Denied

If your claim is denied, you can appeal the decision. The appeals process involves several steps:

• Request for Reconsideration: The first step in the appeals process is to ask the SSA to review your case again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your opportunity to present additional evidence and argue your case in person.
• Appeals Council: If the ALJ denies your case, you can ask the Appeals Council to review your claim.
• Federal Court: If the Appeals Council also denies your case, you can take your case to federal court.

While the appeals process can take months or even years, it is not uncommon for people to receive approval after the hearing or appeals process.