1. Understand the Types of Benefits

Before applying, it’s important to know the difference between the two main programs:

• SSDI is for individuals who have worked and paid Social Security taxes for a sufficient period.
• SSI is need-based and designed for individuals with limited income and resources, regardless of work history.

You can apply for either or both, depending on your eligibility.

2. Gather Required Documentation

Before you begin your application, gather the following:

• Your Social Security number
• Medical records, doctor reports, and test results
• A list of current medications
• Your work history for the last 15 years
• Income and asset details (especially for SSI applicants)
• Names and contact info of all healthcare providers

3. Submit Your Application

There are several ways to apply for disability benefits in Massachusetts:

Online

• Go to www.ssa.gov and apply using your my Social Security account.

By Phone

• Call the SSA at 1-800-772-1213 to apply or schedule an appointment.

In Person

• Visit your local SSA office in Massachusetts. Use the SSA website to find the nearest location.

4. What Happens After You Apply

After you submit your application, the SSA will:

• Review your non-medical eligibility (such as work credits or income limits).
• Send your case to Disability Determination Services (DDS), where medical professionals will evaluate your medical records.
• Contact you if additional documentation or exams are needed.

Processing can take several months, so check your status regularly through your SSA account or by phone.

5. Be Prepared for a Possible Denial

It’s common to be denied on the first try. If that happens:

• You can appeal the decision within 60 days.
• The appeal process includes several stages: reconsideration, hearing before an administrative law judge, appeals council review, and possibly a federal court case.