Step 1: Understand the SSDI Program

Before you apply, it’s important to understand how SSDI works. Social Security Disability Insurance provides financial assistance to individuals who are unable to work due to a long-term disability.

To qualify, you must meet two main requirements:

1. Work Credits – You must have worked long enough and recently enough in jobs covered by Social Security.
2. Medical Eligibility – You must have a medical condition that meets the Social Security Administration’s (SSA) definition of disability.

In most cases, your condition must prevent you from performing substantial gainful activity (SGA) for at least 12 months or be expected to result in death.

Step 2: Gather Your Documentation

Before filing your claim, make sure you have all the necessary paperwork ready. Missing information can delay or even cause your application to be denied.

Here’s what you’ll need:

• Personal Information – Your Social Security number, date of birth, and contact details.
• Medical Records – Documentation from your doctors, hospitals, and clinics describing your diagnosis, treatment history, medications, and prognosis.
• Work History – A record of your employment over the past 15 years, including job duties and dates worked.
• Income Information – Recent tax returns or W-2 forms to verify your earnings and work credits.

Being organized before you begin will make your application process faster and easier.

Step 3: File Your SSDI Application

You can file your SSDI claim in Colorado in one of three ways:

1. Online: Visit www.ssa.gov and create a my Social Security account to complete your application digitally.
2. By Phone: Call the SSA at 1-800-772-1213 to file your claim over the phone with an SSA representative.
3. In Person: Visit your local Social Security field office in Colorado. Major offices are located in Denver, Colorado Springs, Fort Collins, and Grand Junction.

When applying, answer every question thoroughly and accurately. Any missing or incorrect information can cause delays.

Step 4: Wait for a Decision

Once your application is submitted, the SSA will review your claim. The process typically includes:

• Verifying your work history and earnings.
• Reviewing your medical evidence.
• Possibly requesting additional information or a consultative exam.

Most initial decisions take three to six months, but timelines can vary depending on case complexity and the number of pending applications in Colorado.

Step 5: Be Prepared to Appeal

If your SSDI claim is denied—which happens to many applicants at first—don’t get discouraged. You have the right to appeal the decision.

The appeal process includes several levels:

1. Reconsideration – A new SSA reviewer examines your claim.
2. Hearing before an Administrative Law Judge (ALJ) – You can present your case in person.
3. Appeals Council Review – If necessary, your case can be reviewed at a higher level.

Being persistent and providing updated medical evidence can make a big difference in your appeal outcome.