Understanding SSDI and SSI

Before applying, it’s important to understand the two main types of disability benefits:

• Social Security Disability Insurance (SSDI): SSDI is for individuals who have worked and paid into Social Security through their jobs for a certain number of years. To qualify, you need to have earned a minimum number of work credits based on your age and work history.
• Supplemental Security Income (SSI): SSI is a need-based program for individuals who have limited income and resources. If you don’t have a sufficient work history or your work history does not provide enough credits, you may still qualify for SSI if your disability significantly limits your ability to work.

Basic Eligibility for SSDI and SSI in Colorado

To qualify for disability benefits in Colorado, you must meet the Social Security Administration's (SSA) definition of disability. This includes:

• SSDI: You must have work credits (typically 40 credits, with 20 earned in the last 10 years) and a medical condition that prevents you from working for at least 12 months or is expected to result in death.
• SSI: If you don’t have sufficient work history, SSI may be available if you meet the income and asset limits. You must also have a medical condition that qualifies as a disability and prevents you from working for at least 12 months.

SSA’s Definition of Disability

To be considered disabled by the Social Security Administration, your condition must be severe enough to prevent you from engaging in substantial gainful activity (SGA) for at least 12 months or be expected to result in death. This means:

• Your condition must severely limit your ability to perform work-related tasks such as standing, walking, lifting, or concentrating.
• You must provide medical evidence that your condition meets the SSA’s disability criteria.

The SSA uses a Listing of Impairments to evaluate whether your condition qualifies. Conditions that may qualify include, but are not limited to:

• Musculoskeletal disorders (e.g., back problems, joint pain, knee injuries)
• Mental health conditions (e.g., depression, anxiety, PTSD)
• Cardiovascular conditions (e.g., heart disease)
• Neurological disorders (e.g., epilepsy, Parkinson's disease)
• Cancer, and other severe health conditions.

How to Apply for Disability in Colorado

You can apply for SSDI or SSI benefits in Colorado by following these steps:

• Step 1: Gather Necessary Documentation
  Before applying, collect all relevant medical records, work history information, and financial records. This includes:

• Medical records (doctor’s notes, test results, treatment history, etc.)
• Work history (list of jobs and duties)
• Financial documents (if applying for SSI, proof of income and assets).

• Step 2: Submit Your Application
  You can apply for SSDI or SSI online at the SSA’s website (www.ssa.gov), by phone, or in person at your local Social Security office in Colorado. When filling out the application, make sure to be as detailed and honest as possible about your condition, work history, and finances.

• Online Application: The easiest way to apply is through the SSA’s online portal at www.ssa.gov. This option allows you to complete the application at your own pace.
• Phone Application: You can also apply over the phone by calling the SSA at 1-800-772-1213.
• In-Person Application: You can visit your local Social Security office in Colorado to apply in person. Use the SSA’s online tool to find the nearest office.

• Step 3: Wait for a Decision
  Once your application is submitted, the SSA will review your claim and medical evidence to determine if you meet the eligibility requirements. This process can take several months. If your claim is denied, you have the right to appeal.

What Happens After You Apply for Disability in Colorado?

After submitting your disability application, the SSA will take several steps to process it:

• Medical Review: The SSA will review your medical records and may request additional information from your doctors or specialists.
• Request for Additional Documentation: If the SSA needs more information (e.g., missing medical records or employment history), they may ask you to submit additional documentation.
• Initial Decision: You will receive an initial decision after the review. If you’re approved, you will begin receiving benefits, including back pay for the months you’ve been unable to work. If you’re denied, you can appeal the decision.
  

What if Your Disability Claim is Denied?

It’s not uncommon for disability applications to be denied, even if you have a legitimate case. If this happens, here’s what you can do:

• Request Reconsideration: If your claim is denied, the first step is to request reconsideration. The SSA will review your claim again, taking into account any additional evidence you provide.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This hearing gives you the chance to present your case in person and provide new evidence.
• Appeals: If the judge denies your case, you can appeal to the Appeals Council and even to a federal district court if necessary.