Applying for Social Security Disability Insurance (SSDI) is a big step, and it can feel stressful if you’re not sure where to begin. The good news is that the Social Security Administration (SSA) provides clear guidelines — and with the right preparation, you can submit a complete application that gives you the best chance of approval.
In this guide, I’ll walk you through the essential steps to filling out an SSDI application, what documents you need, and how to avoid common mistakes.
Step 1 – Gather Your Personal Information
The SSA requires basic details to identify you and confirm eligibility. Have these ready:
- Social Security number
- Birth certificate or proof of age
- Names, Social Security numbers, and birthdates of your spouse and minor children
- Bank account information for direct deposit
Step 2 – Collect Your Work History
Since SSDI is based on your work credits, SSA needs a detailed record of your past jobs. Prepare:
- A list of employers for the past 15 years
- Job titles and duties for each role
- Dates you worked at each position
- Any job-related accommodations or changes due to your condition
Step 3 – Document Your Medical Information
Medical evidence is the foundation of your SSDI application. Include:
- Names, addresses, and phone numbers of doctors, clinics, and hospitals
- Dates of treatment and upcoming appointments
- Diagnoses, test results, and prescribed medications
- Therapy, counseling, or mental health treatment records
Step 4 – Complete the SSA-16 (Application for Disability Insurance Benefits)
You can complete the SSDI application online at SSA.gov, over the phone, or in person at your local SSA office. The application (SSA-16) asks for:
- Personal details (Step 1)
- Work history (Step 2)
- Medical information (Step 3)
Be accurate and detailed. Incomplete or vague answers are one of the most common reasons for delays.
Step 5 – Fill Out the Adult Disability Report (SSA-3368)
This form provides a detailed view of your condition and how it limits your daily activities. Be specific about:
- Symptoms (e.g., fatigue, anxiety, memory loss)
- How your condition prevents you from working
- How daily living tasks (shopping, cooking, driving) are affected
💡 Tip: Describe your worst days, not just your best. SSA needs to understand your limitations clearly.
Step 6 – Review and Submit Your Application
Before submitting, review every section. Check that:
- Dates are accurate
- Doctor and hospital info is complete
- Medications are current
- Contact info is correct
Submit online, by mail, or in person. Keep a copy for your records.
Common Mistakes to Avoid
- Leaving blanks on forms
- Minimizing symptoms instead of being honest
- Forgetting to include mental health treatment records
- Missing signatures or dates
- Not keeping a copy of your application