Step 1: Understand the Two Types of Disability Benefits

There are two main types of Social Security Disability benefits you can apply for:

• Social Security Disability Insurance (SSDI): SSDI is for individuals who have worked and paid Social Security taxes for a sufficient number of years. If you have worked for a certain period of time and paid into the Social Security system, you may qualify for SSDI.
• Supplemental Security Income (SSI): SSI is a needs-based program for individuals who have limited income and resources, regardless of their work history. If you are disabled and have limited financial resources, you may qualify for SSI.

Step 2: Check if You Meet the Eligibility Requirements

Before you apply, it’s important to confirm that you meet the eligibility requirements for either SSDI or SSI. Here’s what you need to know:

For SSDI:

• You must have worked in jobs that were covered by Social Security and paid into the system.
• Your disability must prevent you from working and must be expected to last at least 12 months or result in death.

For SSI:

• You must have limited income and resources.
• You do not need a work history to qualify, but you must meet the SSA’s definition of disability.

The SSA requires that your condition significantly limits your ability to work and perform daily tasks for at least 12 months.

Step 3: Gather Necessary Medical Evidence

One of the most important parts of your disability claim is your medical evidence. The SSA needs proof that your condition is severe enough to prevent you from working. Here's how to gather the right documentation:

• See Your Doctor Regularly: Keeping regular doctor’s appointments will provide a clear record of your condition. Consistent visits help demonstrate that your disability is ongoing and serious.
• Obtain Complete Medical Records: Request copies of your medical records, including doctor’s notes, lab results, hospital records, and other relevant information.
• Get a Doctor’s Statement: A detailed letter from your treating physician about how your condition limits your ability to work is essential. The more detailed the letter, the better.
• Include Records from Specialists: If you see any specialists for your condition, make sure their records are included as well. This will show that you are receiving comprehensive care.

Step 4: Complete the Disability Application

Once you have your medical evidence ready, you can start the application process. In Mississippi, there are a few ways to apply for disability benefits:

• Online: The easiest way to apply is through the SSA’s website at www.ssa.gov. The online application is simple and allows you to track your progress.
• By Phone: You can apply over the phone by calling the SSA at 1-800-772-1213. A representative will guide you through the application process.
• In Person: If you prefer, you can apply in person at your local Social Security office in Mississippi. To find the nearest office, visit the SSA’s office locator tool on their website.

Step 5: Follow the SSA’s Five-Step Disability Evaluation Process

The SSA evaluates disability claims using a five-step process. Understanding these steps will help you prepare your application and improve your chances of approval:

• Step 1: Are you working?
  If you are working and earning above a certain threshold (in 2025, it’s $1,470 per month for non-blind individuals), the SSA may determine that you are not disabled.
• Step 2: Is your condition severe?
  Your condition must significantly limit your ability to perform basic work tasks. If your condition isn’t severe enough, your claim may be denied.
• Step 3: Does your condition meet a Listed Impairment?
  If your condition is listed in the SSA’s Listing of Impairments, it will automatically qualify you for disability benefits. Conditions such as cancer, heart disease, or mental health disorders are included.
• Step 4: Can you do your previous work?
  The SSA will look at whether you can perform the type of work you did before your disability. If you can still do your past job, your claim may be denied.
• Step 5: Can you do any other type of work?
  If you can’t do your previous work, the SSA will evaluate whether you can do any other type of work based on your skills, education, and age.

Step 6: Be Prepared for a Possible Denial

It’s important to know that many disability claims are initially denied, even when the applicant has a valid case. If your application is denied, don’t be discouraged. You have the right to appeal the decision. Here’s how the appeals process works:

• Request Reconsideration: If your claim is denied, you can ask for a reconsideration, which is a review of your case by a different SSA representative.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is where you’ll have the opportunity to present your case in person.

Step 7: How to Get Help Filing for Disability in Mississippi

While it’s possible to file for disability benefits on your own, many people choose to work with a disability attorney or advocate, especially if their claim is denied or they need help gathering evidence. A lawyer can:

• Help you complete the application accurately.
• Gather and organize medical evidence to support your claim.
• Represent you during the appeals process if your claim is denied.