Step 1: Understand the Eligibility Requirements

Before applying, it’s essential to ensure you meet the eligibility criteria for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).

• SSDI: This program is for individuals who have worked and paid into the Social Security system through payroll taxes. To qualify, you need to have a sufficient work history and have worked a certain number of years.
• SSI: SSI is for individuals with limited income and resources, regardless of work history. It is a needs-based program for those with disabilities, blindness, or age 65 or older.

Both programs require that your disability prevents you from performing substantial gainful activity (SGA) for at least 12 months or is expected to result in death.

Step 2: Gather Required Documentation

The key to a successful disability claim is providing comprehensive medical documentation. To apply for disability in New Hampshire, you’ll need to gather and prepare the following:

• Medical Records: Include documentation from your doctors, hospitals, or other healthcare providers that detail your condition, treatments, and prognosis.
• Work History: For SSDI, you’ll need to provide a detailed work history, including dates of employment, job titles, and the nature of your work.
• Financial Information: For SSI, provide details of your income, assets, and resources, as SSI is a needs-based program.

Step 3: Complete the Application

You can apply for disability benefits through the Social Security Administration (SSA). There are a few options available for applying:

• Online Application: The quickest way to apply is through the SSA’s online portal at www.ssa.gov. The online application is available for both SSDI and SSI.
• In-Person Application: If you prefer, you can apply in person at your local SSA office. To find the nearest office in New Hampshire, visit the SSA’s office locator tool on their website.
• Phone Application: You can also apply by phone by calling the SSA at 1-800-772-1213.

Step 4: Submit Medical and Financial Documentation

As part of the application process, you’ll need to provide documentation that supports your claim. This includes your medical records, work history, and, for SSI, your financial information. Make sure that all documents are accurate, up-to-date, and comprehensive.

You may also need to attend a Consultative Examination (CE), where a doctor paid by the SSA evaluates your condition.

Step 5: Wait for a Decision

Once your application is submitted, the SSA will review your claim. This process can take anywhere from 3 to 5 months, although it could be longer depending on the complexity of your case and the workload of the SSA. The SSA will send you a decision letter regarding your eligibility.

• If approved: You’ll be notified about the amount of benefits you are eligible for and when you will start receiving them.
• If denied: If your claim is denied, don’t be discouraged. The initial approval rate for disability claims is low, but you have the right to appeal the decision.

Step 6: What to Do if Your Application is Denied

Many Social Security Disability claims are initially denied, even if you have a valid case. If your claim is denied, you have several options for appeal:

• Request Reconsideration: If you receive a denial, you can ask the SSA to reconsider your claim. This involves a thorough review of your application and any new evidence you submit.
• Request a Hearing: If your reconsideration is denied, you can request a hearing with an Administrative Law Judge (ALJ). This is your chance to present your case in person.
• Appeals Council: If the ALJ denies your claim, you can ask the Appeals Council to review the case.
• Federal Court: If all else fails, you can file a lawsuit in federal court.