Step 1: Know If You’re Eligible

Before applying, confirm you meet these two key requirements:

• Work Credits: You must have paid into Social Security through work and earned enough credits.
• Medical Disability: Your medical condition must prevent you from working and last at least 12 months or be terminal.

Step 2: Gather All Necessary Information

Get your documentation in order to avoid delays:

• Personal details (Social Security number, birth certificate, address)
• Medical records (doctor names, test results, diagnoses, medications)
• Work history for the last 15 years
• Income and employment documents

The more complete your information, the better your chances of approval.

Step 3: Submit Your SSDI Application

You can apply in one of two ways:

• Online at SSA.gov – Fast and convenient
• In-person at a local SSA office in Illinois – Useful if you want help from an SSA representative

Fill out the application carefully, answer all questions truthfully, and submit all required medical records.

Step 4: Stay Responsive to the SSA

After submitting your application, the SSA might ask for:

• More medical information
• Consultative exams with SSA doctors
• Clarification on work history or daily limitations

Respond promptly to avoid delays or denial due to non-cooperation.

Step 5: Monitor Your Application Status

Check your status online using your my Social Security account. This helps ensure you don’t miss critical updates, deadlines, or requests from SSA.

Step 6: Prepare for a Possible Denial

It’s common to be denied the first time. If you are:

• Don’t panic — you have 60 days to file an appeal
• Gather updated or additional medical records
• Request Reconsideration through SSA’s appeal process

You can still represent yourself in the appeal process, especially at the first level.