1. Average Processing Time for Initial Applications

In Colorado, the average time for an initial SSDI application decision ranges from 3 to 6 months (approximately 90 to 180 days). However, your exact timeline can vary based on:

• Completeness of your application: Missing information or documentation can delay your claim
• Speed of medical record collection: SSA must obtain and review all relevant medical records
• SSA workload and backlogs: High application volumes or staffing shortages at Disability Determination Services (DDS) can increase wait times

2. What Happens If Your Claim Is Denied?

Many SSDI claims are denied at the initial stage. If this happens, you have the right to appeal.

Reconsideration Stage

• You must request reconsideration within 60 days of receiving your denial notice
• This stage generally takes an additional 2 to 4 months in Colorado, as SSA reviews your claim again with any new evidence you submit

Hearing Stage

• If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ)
• In Colorado, hearing wait times vary but can range from 8 months to over a year, depending on your local hearing office’s backlog

3. Total Timeline If Appeals Are Needed

If your case goes through all appeal stages, including a hearing, it may take one to two years or more to receive a final decision on your SSDI claim. While this can feel discouraging, many applicants are ultimately approved at the hearing level.

4. Tips to Avoid Unnecessary Delays

While you cannot control SSA processing times, you can take steps to keep your claim moving efficiently:

• Submit a complete and detailed application with all required information
• Provide up-to-date and thorough medical evidence supporting your disability
• Respond promptly to SSA requests for additional documentation
• Follow up regularly to monitor your claim status and ensure no documents are missing

5. Compassionate Allowances for Faster Approval

If you have a severe condition listed under SSA’s Compassionate Allowances program, such as certain aggressive cancers or rare diseases, your claim may be processed in just a few weeks, significantly reducing your wait time.