Step 1: Understand the Two Types of Disability Benefits

There are two primary disability programs offered by the Social Security Administration (SSA):

• Social Security Disability Insurance (SSDI): If you have worked and paid Social Security taxes for a sufficient amount of time, you may qualify for SSDI. This program is based on your work history and the amount you have paid into Social Security during your employment.
• Supplemental Security Income (SSI): SSI is a needs-based program for individuals who are disabled or over 65 and have limited income and resources. Unlike SSDI, it does not require a work history. SSI is intended to help low-income individuals who meet the SSA’s disability criteria.

Step 2: Determine If You Meet Eligibility Requirements

Before you apply for disability in Colorado, it’s important to ensure that you meet the SSA’s eligibility requirements:

• Disability Definition: To qualify for either SSDI or SSI, you must meet the SSA’s definition of disability. This means that you must have a severe medical condition that prevents you from performing any substantial gainful work and is expected to last for at least 12 months or result in death.
• Work History (for SSDI): For SSDI, you need to have worked in jobs where you paid Social Security taxes for a certain number of years. The number of years required depends on your age at the time you became disabled.
• Financial Need (for SSI): If applying for SSI, you must have limited financial resources. The SSA has strict limits on income and assets, and your resources must not exceed $2,000 for individuals or $3,000 for couples in 2025.

Step 3: Gather the Necessary Documents

Before applying for disability benefits in Colorado, you will need to gather several important documents to support your claim:

• Medical Records: Include records from your doctors, hospitals, and any medical professionals who treat you for your disability. These should be comprehensive and demonstrate the severity and duration of your condition.
• Work History (for SSDI): You’ll need to provide your work history, including pay stubs, tax records, and employer information to show that you have paid into Social Security.
• Income and Asset Information (for SSI): For SSI, you will need to provide detailed information about your income and assets to prove that you meet the program’s financial eligibility requirements.

Step 4: Complete the Application for Disability

Once you have gathered your documents, you can apply for disability benefits through the Social Security Administration. Here are the steps to follow:

• Apply Online: The fastest and most convenient way to apply is online at the SSA website (www.ssa.gov). You can complete the application at your own pace and submit it electronically.
• Apply in Person: If you prefer, you can apply in person at your local Social Security office in Colorado. You can find your nearest office on the SSA’s website or by calling 1-800-772-1213.
• Apply by Phone: You can also apply by calling the SSA at 1-800-772-1213 to schedule an appointment to apply over the phone.

Step 5: Wait for a Decision

After you submit your application, the SSA will review your case and decide whether you qualify for disability benefits. This process can take several months, so it’s important to be patient. You may be contacted for additional information or to schedule a consultative examination if needed.

• Approval or Denial: If your claim is approved, you will start receiving disability benefits. If your claim is denied, you have the right to appeal the decision. It’s common for initial applications to be denied, but with the right evidence and proper representation, many people are successful during the appeals process.
  

Step 6: Appeal a Denied Disability Claim in Colorado

If your application for disability benefits in Colorado is denied, you can appeal the decision. The SSA offers several levels of appeal:

• Reconsideration: This is the first step in the appeal process, where the SSA will review your claim again with new evidence.
• Hearing Before an Administrative Law Judge (ALJ): If your claim is denied after reconsideration, you can request a hearing before an Administrative Law Judge (ALJ). This is a critical stage where you can present your case in person.
• Appeals Council: If your ALJ hearing is unsuccessful, you can request a review from the Appeals Council. If necessary, you may then pursue a Federal Court appeal.