Step 1: Determine Which Disability Program You Qualify For

The SSA offers two main types of disability benefits:

• Social Security Disability Insurance (SSDI): This program is for individuals who have worked and paid Social Security taxes for a sufficient period (earned enough work credits).
• Supplemental Security Income (SSI): This is a need-based program for individuals with limited income and resources, regardless of work history.

You may qualify for one or both programs depending on your circumstances.

Step 2: Gather Necessary Documentation

Before applying, make sure you have the following information ready:

• Medical Records: Include details about your diagnosis, treatment history, doctor visits, hospitalizations, and prescribed medications.
• Work History: A list of the jobs you’ve held in the past 15 years, along with dates and job duties.
• Income and Asset Information: This is particularly important for SSI claims.
• Personal Information: Social Security number, birth certificate, and details about any family members who may be eligible for benefits on your record.

Step 3: Submit Your Application

There are several ways to apply for disability benefits in Colorado:

• Online: Visit the SSA website at www.ssa.gov to start your application.
• By Phone: Call the SSA at 1-800-772-1213 to apply over the phone or schedule an appointment.
• In Person: You can visit your local Social Security office in Colorado. It’s best to call ahead and make an appointment.

Make sure your application is complete and accurate to avoid delays or denials.

Step 4: Wait for a Decision

Once you’ve applied, the Colorado Disability Determination Services (DDS) office will review your medical and work information to make a decision. This can take 3 to 5 months or longer depending on the complexity of your case and how quickly your medical providers respond.

You can check your application status by creating an account on the SSA website or by calling their office directly.

Step 5: Be Prepared to Appeal if Denied

Many disability applications are denied initially. If you receive a denial, don’t panic—you have the right to appeal. The appeals process includes:

1. Reconsideration
2. Hearing before an Administrative Law Judge
3. Appeals Council Review
4. Federal Court Review (if necessary)

Act quickly, as you typically have 60 days to file an appeal after a denial.