You can apply for SSDI benefits in a few different ways. The easiest option is to apply online on the Social Security Administration’s (SSA) official site. You can also call the SSA’s National 800 Number to apply by phone or to make an appointment to apply in person.
However, there’s been a recent change to the way in which your identity can be verified. The Social Security Administration (SSA) has recently updated its identity verification procedures to enhance security and protect beneficiaries from fraud. This affects people who would prefer to apply by phone.
As of March 31, 2025, the SSA no longer offers identity verification over the phone. This means that if you need to verify your identity to update direct deposit information or access certain services, you now have two options:
- Online Verification: Use the my Social Security portal, which requires an account authenticated through Login.gov or ID.me.
- In-Person Verification: Visit your local Social Security field office to verify your identity.
Even if you call the SSA for assistance, you will be directed to use one of the two methods above. This change aims to reduce fraud, as the SSA has reported losing over $100 million annually due to direct deposit fraud.
While this can help to strengthen security, it can be a challenge for individuals who:
- Don’t have reliable internet access
- Are uncomfortable with technology
- Reside in rural areas, especially where field offices are closing.
To prepare for this change, everyone is encouraged to create a my Social Security account and ensure they have the necessary documentation for in-person visits if required.
Application Process
To complete your application you will need the following information about your identification, income, and medical history: Social Security Number (SSN), birth certificate, contact info of your doctors, dates of your medical visits, medical test results and your most recent W-2 or federal tax return.
While processing your application, the Social Security Administration will evaluate:
- Your current work activities,
- Decide if you pass the work tests, and
- Contact your doctors to ask about your disabling condition.
You should apply for SSDI benefits as soon as you become disabled.
This is because processing your application can take many months. And, you cannot receive SSDI benefits until you have been disabled for five full months.
This means that even if your claim was processed and approved the first month that you became disabled, you will not start receiving your SSDI payments for 4 more months.
In the case your claim takes longer than 5 months to process, you will still receive back-payments starting with the 6th month of your disability. So, even if your application process takes time, you will never miss out on a payment.
If your first application for SSDI benefits is denied, don’t despair. Many applicants are not approved the first time that they apply for SSDI benefits. You can file an appeal with the Social Security Administration, as long as you request one within 60 days of receiving your letter of denial.
By Admin –
