Step 1: Understand Which Program You Qualify For

There are two federal disability programs administered by the Social Security Administration (SSA):

• SSDI is for individuals who have worked and paid into Social Security for a certain number of years.
• SSI is based on financial need and is available to individuals with limited income and resources, regardless of work history.

Knowing which program(s) you’re eligible for will help guide your application.

Step 2: Gather Necessary Information

Before applying, collect the following:

• Medical records (doctor’s reports, hospital visits, test results)
• Work history for the past 15 years
• Current medications and treatments
• Education and training background
• List of conditions and how they affect your ability to work

Having this information ready will speed up the process and help avoid delays.

Step 3: Complete the Application

You can apply in any of the following ways:

• Online: The fastest method is through the SSA website at ssa.gov.
• By phone: Call 1-800-772-1213 to apply over the phone or schedule an appointment.
• In person: Visit a local SSA office in Rhode Island. Appointments are recommended.

Be thorough and accurate when filling out the application. Incomplete or inconsistent answers can delay or hurt your claim.

Step 4: Wait for a Decision

Once submitted, your claim will be reviewed by Rhode Island Disability Determination Services. They may request:

• Additional medical records
• Consultative medical exams (paid for by SSA)

This process can take several months. You can check the status online through your my Social Security account.

Step 5: Prepare for an Appeal if Necessary

Many first-time applications are denied. If this happens:

• Don’t panic — you have the right to appeal.
• You must file for reconsideration within 60 days.
• If denied again, you can request a hearing before an administrative law judge.