Understand the Types of Disability Benefits

Before applying, it's essential to know which program you may qualify for:

• SSDI is for individuals who have worked and paid Social Security taxes but are now unable to work due to a disability.
• SSI is a needs-based program for people with limited income and resources, regardless of work history.

In Minnesota, both programs are administered by the Social Security Administration (SSA), with disability determinations handled by Minnesota Disability Determination Services (DDS).

Step 1: Check Your Eligibility

To be eligible, you must:

• Have a disabling medical condition that prevents you from working for at least 12 months or is expected to result in death
• For SSDI: Have sufficient work credits
• For SSI: Meet income and asset limits

You can use the SSA’s online screening tool at ssa.gov to help determine your eligibility.

Step 2: Gather Required Documents

Collect the following documents before starting your application:

• Personal information (Social Security number, birth certificate, etc.)
• Medical records from doctors, hospitals, therapists, and clinics
• Employment history (past jobs, dates, and duties)
• Education and training information
• Bank account details (for direct deposit of benefits)

Step 3: Choose How to Apply

You can apply for disability benefits in Minnesota in three ways:

Online

Visit the SSA’s website at www.ssa.gov/applyfordisability to submit your application securely.

By Phone

Call the SSA at 1-800-772-1213 to begin your application over the phone or schedule an appointment.

In Person

Visit a local Social Security office in Minnesota. Use the SSA's office locator tool to find the nearest location.

Step 4: Submit the Application

Ensure your application is complete and accurate. Mistakes or missing information can lead to delays or denials. Be detailed about your condition, symptoms, treatment history, and how your disability affects your ability to work.

Step 5: Wait for a Decision

After submitting your application:

• Minnesota DDS will review your case and may contact you for additional information or a consultative exam
• Initial decisions usually take 3 to 6 months
• You will receive a decision letter in the mail

Step 6: Be Prepared to Appeal

If your application is denied:

• You have 60 days to file an appeal
• The appeal process includes reconsideration, a hearing before an administrative law judge (ALJ), and possibly further appeals
• Many applicants are approved during the appeals process, so don’t give up