1. Understand SSDI Eligibility in Massachusetts

Before you begin, make sure you meet SSDI’s basic requirements. You must:

• Have a medical condition that meets the Social Security Administration’s (SSA) definition of disability.
• Be unable to engage in substantial gainful activity because of your condition.
• Have earned enough work credits through past employment and Social Security tax contributions.

2. Gather Your Medical and Work Records

When filing without a lawyer, preparation is key. You will need:

• Detailed medical records from all treating doctors and hospitals.
• Diagnostic test results, imaging reports, and treatment plans.
• A complete work history, including job titles, dates of employment, and descriptions of job duties.
• Information about medications, therapies, and how your condition limits your daily activities.

The SSA relies heavily on documented evidence, so the more complete and organized your records are, the stronger your case will be.

3. Choose How to Apply

In Massachusetts, you can file for SSDI:

• Online through the SSA’s official website.
• By phone by calling the SSA and scheduling an appointment.
• In person at your local Social Security office.

Applying online can be the most convenient, as it allows you to work on the application at your own pace and upload documents directly.

4. Complete the Application Carefully

The SSDI application will ask for personal information, medical details, and work history. Without a lawyer, it’s crucial to be thorough and accurate:

• Provide exact dates whenever possible.
• Clearly describe how your disability prevents you from working.
• Avoid vague answers — instead, use specific examples of your limitations.

5. Respond Promptly to SSA Requests

After filing, the SSA may contact you for additional information, clarification, or to schedule a consultative medical exam. Respond quickly to avoid delays. Missing deadlines or failing to attend required appointments could result in an automatic denial.

6. Prepare for a Possible Denial

Even strong applications are often denied at first. If this happens, you have the right to appeal within 60 days. Filing an appeal without a lawyer is possible, but you must follow SSA’s procedures carefully and submit any additional evidence that supports your claim.