Step 1: Understand SSDI Eligibility Requirements

Before applying, you must meet the Social Security Administration (SSA) requirements for SSDI:

• You must have worked jobs covered by Social Security.
• You must have earned enough work credits (usually 40, with 20 earned in the last 10 years).
• You must have a medical condition that meets the SSA’s definition of disability—one that prevents you from working for at least 12 months or is expected to result in death.

Step 2: Gather Required Documents

To complete your application, you’ll need:

• Personal information: birth certificate, Social Security number, contact information
• Employment history: names and addresses of employers from the last 15 years
• Medical documentation: names of doctors, clinics, medications, treatment dates, test results
• Education and job skills: relevant for determining what work, if any, you can still perform

Step 3: Complete the SSDI Application

There are three ways to apply for SSDI in Massachusetts:

1. Apply Online

Visit www.ssa.gov and complete the SSDI application.

• Most convenient
• Available 24/7
• Allows uploading of some supporting documents

2. Apply by Phone

Call the SSA at 1-800-772-1213 to complete your application with a representative.

3. Apply In Person

Schedule an appointment at your local Massachusetts SSA office. Bring all required documents with you. You can find your nearest office using the SSA’s Office Locator.

Step 4: Submit Supporting Medical Evidence

This is a critical part of your claim. The SSA will evaluate your:

• Doctor’s notes
• Diagnostic test results
• Imaging (MRI, X-rays)
• Hospitalization records
• List of medications and side effects
• Statements from treating physicians

Incomplete or vague records can result in delays or denials, so be thorough.

Step 5: Track Your Application Status

Once submitted:

• Create a “my Social Security” account at ssa.gov to track progress
• Respond promptly to any additional requests for documentation
• Follow up regularly if you don’t hear back within 30–60 days

What If You're Denied?

Don’t panic—initial denials are common. You have the right to appeal within 60 days. The appeal process includes:

• Reconsideration
• Hearing before an Administrative Law Judge (ALJ)
• Appeals Council review
• Federal court review (if necessary)