Step 1: Understand the SSDI Eligibility Requirements

Before applying, make sure you meet the SSA’s strict eligibility criteria:

• Work History: You must have worked in jobs covered by Social Security and earned enough work credits. Most people need 40 credits, with 20 earned in the last 10 years before becoming disabled. Younger workers may qualify with fewer credits.
• Medical Condition: Your condition must be severe and expected to last at least 12 months or result in death.
• Substantial Gainful Activity (SGA): You must not be able to engage in meaningful work (SGA). If you are earning more than a set amount per month, you may not qualify.

Step 2: Gather Necessary Documentation

You’ll need strong evidence to support your SSDI application. Collect the following:

• Detailed medical records from doctors, specialists, hospitals, and clinics
• Lab results, imaging (e.g., MRIs), and other test results
• A statement from your doctor describing your condition and how it limits your ability to work
• Work history, including job titles, duties, and employment dates for the last 15 years
• Education records and any vocational training information

Being thorough and organized improves your chances of success.

Step 3: Apply for SSDI

You can apply for SSDI in one of three ways:

• Online at ssa.gov – the fastest and most convenient method
• By phone by calling the SSA at 1-800-772-1213
• In person at your local Social Security office in Maine (appointments may be required)

Take your time and answer every question completely and accurately. Errors or omissions can cause delays or denials.

Step 4: Follow Up and Stay Informed

After you apply:

• Create a “my Social Security” account at ssa.gov to track your application status
• Check your mail regularly for requests for additional information or a scheduled consultative exam
• Respond promptly to any SSA requests to avoid delays

Step 5: Be Prepared for a Possible Denial

It’s common for SSDI applications to be denied at the initial stage—even with valid claims. If this happens:

• Don’t give up—you have the right to appeal
• Request a reconsideration, then a hearing before an Administrative Law Judge (if needed)
• Submit additional medical evidence to strengthen your appeal

Appeals must be filed within 60 days of receiving the denial notice.