Understand the Two Types of Disability Benefits

Before filing, determine which benefit you qualify for:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid into Social Security for enough years (earned work credits).
• SSI (Supplemental Security Income): Based on financial need. You don’t need a work history, but must meet strict income and asset limits.

Step 1: Review Eligibility Requirements

To qualify for either program, you must show:

• A medically determinable physical or mental condition
• Your condition prevents you from working
• Your disability is expected to last at least 12 months or result in death

You must also be a U.S. citizen or legal resident, and reside in Idaho.

Step 2: Gather Required Information

Before you apply, collect the following:

• Medical records: Doctor’s notes, test results, treatment plans
• Work history: Names of employers, job duties, dates of employment
• Income and assets: Especially important if applying for SSI
• Personal information: Birth certificate, Social Security number, proof of citizenship or legal residency

Step 3: File Your Application

You can submit your disability claim in one of three ways:

• Online: Visit ssa.gov to file an SSDI claim (SSI claims may require an appointment).
• By phone: Call the SSA at 1-800-772-1213 to apply.
• In person: Schedule an appointment at your local Idaho Social Security office.

Tip: Be detailed and honest in your application. Incomplete or vague answers may lead to delays or denials.

Step 4: Wait for the Initial Decision

Once submitted, your claim is sent to Idaho Disability Determination Services (DDS) for review.

• Timeframe: Most applicants receive a decision within 3 to 6 months.
• If approved, you’ll begin receiving benefits based on your eligibility date.
• If denied, you have the right to appeal (see below).

Step 5: Prepare for a Possible Appeal

Over 60% of initial disability claims are denied in Idaho. If this happens, don't give up—you can appeal the decision within 60 days.

• First appeal: Reconsideration
• Next step: Hearing before an Administrative Law Judge (ALJ)

Each level has specific timelines and procedures, so act quickly.