Step 1: Determine Your Eligibility

Before you apply for Social Security Disability benefits, make sure you meet the SSA’s eligibility requirements for SSDI or SSI:

• SSDI: This program is for individuals who have worked and paid into Social Security for a certain number of years.
• SSI: This program is based on financial need and does not require a work history. It is designed for individuals who have limited income and resources.

To qualify for either program, you must prove that your medical condition prevents you from working for at least 12 months or is expected to result in death.

Step 2: Gather the Necessary Documentation

One of the most important aspects of your application is having the right documentation. To make your application as strong as possible, you will need to gather:

• Personal Information: Your Social Security number, birth certificate, and proof of U.S. citizenship or legal residency.
• Medical Records: Detailed records from your doctors, hospitals, and any other medical professionals treating you. This should include diagnostic tests, lab results, and treatment plans.
• Work History: If you are applying for SSDI, provide a complete record of your work history, including the names of employers, dates of employment, and job duties.
• Financial Information: If you are applying for SSI, you will need to provide financial documents, including income, bank statements, and assets.

Step 3: Apply for Social Security Disability

Once you have gathered all the necessary information, you can apply for benefits. There are three ways to apply for Social Security Disability in New Mexico:

• Apply Online: The easiest and most efficient way to apply is through the SSA’s online portal at www.ssa.gov.
• Apply by Phone: You can apply by calling the SSA at 1-800-772-1213.
• Apply in Person: Visit your local SSA office in New Mexico to apply in person. Find the nearest office by using the SSA office locator on their website.

When completing the application, be sure to:

• Answer all questions honestly and accurately.
• Include all relevant medical and financial documentation.
• Double-check for any errors or missing information to avoid delays.

Step 4: Wait for the SSA to Review Your Application

After you submit your application, the SSA will review your claim. This process can take several months. The SSA will assess your medical condition, work history, and other factors to determine if you qualify for benefits.

• If your claim is approved, you will receive notification of your benefits.
• If your claim is denied, you will receive a letter explaining the reasons for the denial. You can then appeal the decision.

Step 5: Understand the SSA’s Five-Step Evaluation Process

The SSA evaluates disability claims using a five-step process, and understanding these steps can help you ensure your claim is as strong as possible:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning a certain income, the SSA may decide that you are not disabled.
• Step 2: Severe Condition: Your medical condition must be severe enough to limit your ability to perform basic work tasks.
• Step 3: Meet a Listed Impairment: If your condition is listed in the SSA’s Listing of Impairments, you may automatically qualify for benefits.
• Step 4: Past Work: The SSA will evaluate whether you can still do your previous job.
• Step 5: Other Work: The SSA will assess whether you can perform other types of work given your skills, education, and age.

Step 6: Follow Up on Your Application

You can check the status of your application and make sure there are no missing documents by creating an SSA online account. You can also call the SSA at 1-800-772-1213 for updates.

• If you need to provide additional information or documents, respond quickly to avoid delays.

Step 7: Be Prepared for the Appeals Process

It’s common for disability claims to be denied at first, even if you have a valid claim. If your application is denied, you have the right to appeal. The appeal process includes several stages:

• Request Reconsideration: The first step is to ask the SSA to review your claim again.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your chance to present your case in person.
• Submit Additional Evidence: Make sure to provide any new medical records or other evidence that could support your case during the appeals process.

Step 8: Consider Getting Help If Needed

Applying for Social Security Disability benefits can be challenging, especially if you are dealing with a serious medical condition. If you are unsure about how to complete your application or need help with the appeals process, it may be beneficial to consult with an attorney or advocate. While you are not required to have legal representation, an experienced attorney can help guide you through the process and increase your chances of success.