Step 1: Understand the Different Disability Programs

Before starting your application, it's essential to know which disability program you qualify for:

• SSDI: This program is for individuals who have worked and paid Social Security taxes for a certain number of years but are now unable to work due to a medical condition. SSDI provides benefits based on your work history.
• SSI: This program is for individuals who have limited income and resources, regardless of their work history. SSI provides benefits to low-income individuals with disabilities or those who are elderly and meet the SSA’s eligibility requirements.

Both programs require you to have a medical condition that prevents you from working for at least 12 months or is expected to result in death.

Step 2: Check Your Eligibility

Before applying, make sure you meet the eligibility criteria for either SSDI or SSI. Here are the basic requirements:

• SSDI: You must have worked and paid into Social Security for a required number of years (typically 5 out of the last 10 years). You must also have a medical condition that meets the SSA’s definition of disability.
• SSI: You must meet the income and resource limits set by the SSA and have a medical condition that prevents you from working.

You can use the SSA’s online screening tool to check your eligibility for SSDI or SSI.

Step 3: Gather Your Documentation

When applying for disability benefits, you will need to provide several important documents to support your claim, including:

• Medical Records: This is the most crucial part of your application. You’ll need to provide detailed medical records showing that your condition is severe enough to prevent you from working.
• Social Security Number: This helps the SSA identify your case.
• Birth Certificate: Proof of your age.
• Work History: For SSDI applicants, this includes your work history and records of Social Security payments.
• Financial Information: For SSI applicants, you will need to provide information about your income, resources, and financial situation.

Step 4: Apply Online

The most efficient way to apply for disability benefits in Texas is through the SSA’s online portal. To apply:

• Visit the SSA website: Go to www.ssa.gov and create an account or log in to your existing account.
• Complete the Application: Follow the instructions to fill out your disability application. The process is straightforward, but you must answer all questions carefully to avoid delays or mistakes.
• Submit the Required Documents: Upload your medical records, work history, and any other necessary documents.
• Review and Submit: Before submitting, double-check your answers and make sure everything is accurate.

Step 5: Apply By Phone or In Person

If you prefer not to apply online, you can also apply for disability benefits by phone or in person:

• By Phone: Call the SSA’s toll-free number at 1-800-772-1213 to apply over the phone. If you’re hearing impaired, you can use 1-800-325-0778.
• In Person: You can visit your local Social Security office in Texas to apply in person. You can find your nearest SSA office by visiting the SSA’s office locator tool on their website.

Step 6: Wait for a Decision

After you’ve submitted your application, the SSA will review your case. The process can take several months, and the decision-making time depends on factors such as:

• The complexity of your case.
• Whether additional medical evidence is needed.
• The SSA’s workload.

Typically, it can take about 3 to 5 months for an initial decision, but some cases may take longer.

Step 7: Be Prepared for an Appeal

It’s not uncommon for disability claims to be denied, especially if this is your first application. If your claim is denied, you have the right to appeal the decision. The appeals process has multiple stages:

• Reconsideration: The SSA reviews your case again.
• Hearing before an Administrative Law Judge (ALJ): If the reconsideration is denied, you can request a hearing where you can present your case in person.
• Appeals Council Review: If the ALJ denies your claim, you can appeal to the SSA’s Appeals Council.
• Federal Court: As a final step, you may take your case to federal court if the Appeals Council denies your claim.
  
• Having professional assistance can be especially helpful if your case is complex or if you’re going through an appeal.

Note: The appeals process can be lengthy, so it’s important to stay organized and follow the instructions provided by the SSA.