Determine Which Program You Qualify For

Before applying, you need to know which Social Security program applies to your situation:

• SSDI is for individuals who have worked and paid Social Security taxes long enough to be “insured.”
• SSI is based on financial need and doesn’t require a work history. It’s intended for individuals with limited income and resources.

Eligibility Requirements for Disability Benefits

To qualify for either program, you must meet the Social Security Administration’s (SSA) definition of disability:

• You must have a severe physical or mental condition that prevents you from working.
• Your condition must be expected to last at least 12 months or result in death.
• The condition must prevent you from performing any substantial gainful activity (SGA).

How to Apply for Disability in Massachusetts

You have several ways to apply:

• Online: Visit ssa.gov to start your application for SSDI or begin the SSI process.
• By Phone: Call the SSA at 1-800-772-1213.
• In Person: Visit your local Social Security office. Massachusetts has SSA offices located throughout the state, including in Boston, Worcester, and Springfield.

What You Need to Apply

To complete your application, be prepared to provide:

• Personal identification (e.g., birth certificate, Social Security number)
• Work history (past 15 years)
• Medical records, treatment history, and contact information for all doctors
• A list of medications you take
• Financial records (especially for SSI applicants)

Tips for a Strong Application

• Be thorough: Don’t leave sections blank or provide vague answers.
• Keep your medical information current: Include details about ongoing treatment, hospital visits, and specialist care.
• Be honest: The SSA will verify your information and inconsistencies could hurt your case.
  

What to Expect After Applying

Once your application is submitted, the SSA will:

1. Review your application for completeness.
2. Forward it to the Massachusetts Disability Determination Services (DDS), where your medical eligibility will be evaluated.
3. Notify you by mail of the decision. This process can take several months.

If You’re Denied, Don’t Give Up

Most initial applications are denied, but many are approved on appeal. If you receive a denial letter, you have 60 days to request a reconsideration. Appeals often require updated medical records and may involve a hearing before an Administrative Law Judge (ALJ).