Step 1: Determine Which Disability Program Is Right for You

There are two primary federal disability programs:

• SSDI: For individuals who have worked and paid into Social Security
• SSI: For individuals with limited income and resources, regardless of work history

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

Step 2: Make Sure You Meet the Basic Requirements

To apply for SSDI or SSI, you must:

• Have a medical condition that is expected to last at least 12 months or result in death
• Be unable to perform substantial gainful activity (SGA) due to your condition
• For SSDI: Have earned enough work credits through past employment
• For SSI: Meet the SSA’s financial need criteria

Step 3: Gather the Necessary Documentation

Before applying, gather all relevant information, including:

• Medical records from doctors, clinics, and hospitals
• Names and contact info for all medical providers
• A list of medications, treatments, and surgeries
• Work history for the past 15 years
• Income and asset details (especially for SSI applicants)

Well-organized documentation strengthens your application and helps avoid delays.

Step 4: Submit Your Application

You can apply for disability in Rhode Island in three ways:

• Online: Visit ssa.gov and apply through the SSA’s portal
• By phone: Call the SSA at 1-800-772-1213
• In person: Visit your local Social Security office in Rhode Island (appointments are recommended)

Be sure to complete the application thoroughly and accurately. Incomplete applications are one of the leading causes of denials.

Step 5: Follow Up on Your Application

After submission, the SSA will:

• Review your medical records and work/income history
• Possibly request a consultative exam with an SSA-approved doctor
• Send you a letter with a decision (typically within 3–6 months)

You can track your application status by creating a My Social Security account at ssa.gov/myaccount.

Step 6: Be Prepared to Appeal If Denied

Many first-time applications are denied. If you receive a denial letter, don’t panic—you have the right to appeal.

The appeal process includes:



• Reconsideration
• Hearing before an Administrative Law Judge (ALJ)
• Appeals Council review
• Federal court (if necessary)

Appealing can take time, but many claims are approved during the hearing stage—especially when supported with new medical evidence.