Understand the Types of Disability Benefits

Before applying, it’s important to know which program fits your situation:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid Social Security taxes. You need enough work credits to qualify.
• SSI (Supplemental Security Income): For individuals with low income and limited resources, regardless of work history.

You can apply for both if you meet the criteria for each.

Check If You Meet the Disability Requirements

The SSA considers you disabled if:

• You cannot perform substantial gainful activity (SGA) due to your condition
• Your condition has lasted or is expected to last at least 12 months or result in death
• You cannot adjust to other work due to your age, education, and work history

You must also provide medical evidence showing how your condition affects your ability to work.

Gather the Necessary Documents

Before you begin the application, collect:

• Medical records from all doctors, hospitals, and clinics
• Medication lists and treatment summaries
• Work history from the past 15 years
• Social Security number, birth certificate, and W-2s or tax returns
• Information about household income and assets (for SSI)

Having this ready will speed up the process and reduce errors.

Submit Your Application

Mississippi residents can apply for disability benefits through the following methods:

• Online: Visit www.ssa.gov and complete the application form
• By Phone: Call the SSA at 1-800-772-1213
• In Person: Visit your local SSA office in Mississippi (appointments are strongly encouraged)

Be sure to answer every question truthfully and thoroughly—missing information can lead to a delay or denial.

Track Your Application and Respond Promptly

Once your application is submitted:

• You can check the status by creating an online SSA account
• The SSA may request additional documents or schedule a consultative exam with a third-party doctor
• Respond quickly to any requests to avoid delays

It may take 3 to 6 months (or longer) to receive a decision.

Be Prepared for a Possible Denial

Many applicants are denied on the first try. If that happens:

• Don’t panic—you have the right to appeal within 60 days
• Begin the appeals process immediately and consider gathering additional medical evidence
• You can request reconsideration, a hearing before an Administrative Law Judge, or further appeals if needed