1. Determine Which Program You Qualify For

There are two federal disability programs:

• SSDI – For people who have worked and paid into Social Security for enough years.
• SSI – For individuals with limited income and resources, regardless of work history.

You may be eligible for one or both programs, depending on your work record and financial situation.

2. Gather Your Information First

Before applying, collect the necessary documents:

• Medical records, test results, diagnoses, and treatment summaries
• Names and contact information for all doctors and clinics you've visited
• A full work history for the last 15 years, including job titles and duties
• Your most recent tax return or pay stubs
• Personal identification such as your Social Security number and birth certificate

Being prepared will help you complete the application accurately and avoid delays.

3. Apply Online, by Phone, or In Person

In Minnesota, you have three ways to start your disability application:

• Online: Visit ssa.gov to start your SSDI or SSI claim
• By Phone: Call the Social Security Administration at 1-800-772-1213
• In Person: Schedule an appointment at your local Minnesota SSA office

Online is the most convenient and allows you to complete your application at your own pace.

4. Be Honest and Detailed on the Application

Provide clear and complete answers:

• Describe how your condition limits your ability to work
• List all medications and treatments
• Explain how daily life is affected by your disability

Avoid downplaying your symptoms—SSA needs a clear picture of how your condition prevents employment.

5. Follow Up After Submitting

Once you’ve applied:

• Create a My Social Security account to track your application status
• Respond promptly if SSA requests more information
• Continue seeing your doctors and updating your medical records

It may take 3 to 6 months or more for an initial decision.