Step 1: Understand the Eligibility Requirements for SSDI and SSI

To qualify for Social Security Disability benefits, you must meet specific criteria. There are two main disability programs: SSDI and SSI.

• SSDI: If you have worked and paid into the Social Security system through FICA taxes, you may qualify for SSDI. SSDI is based on your work history and the number of work credits you have earned. Generally, you need to have worked for 5 out of the last 10 years (if you are over 31) to qualify.
• SSI: If you have not worked enough or if you have limited income and resources, you may qualify for SSI, which is a need-based program.

Step 2: Gather Medical Evidence for Your PTSD Claim

The most crucial part of your application is providing evidence that your PTSD is severe enough to prevent you from working. Here’s what you need to do:

• Diagnose PTSD: Your PTSD must be diagnosed by a licensed mental health professional, such as a psychiatrist or psychologist. The SSA requires documentation from your doctor or therapist to confirm that you have PTSD and that it significantly impacts your ability to function in daily life.
• Treatment History: Provide records of any therapy, medication, or hospitalizations related to your PTSD. It’s important to show that you are actively seeking treatment, even if it’s not always successful.
• Document Symptoms and Limitations: Your medical evidence should detail how PTSD affects your ability to work. This may include symptoms such as flashbacks, nightmares, hypervigilance, anxiety, or emotional numbness. Documentation should also highlight how these symptoms make it difficult for you to interact with others, concentrate, follow directions, or complete tasks at work.

Step 3: Understand SSA’s Criteria for PTSD

The SSA evaluates mental disorders based on a Listing of Impairments in their Blue Book. PTSD is listed under Mental Disorders (Listing 12.15). To qualify for disability benefits based on PTSD, you must meet specific criteria, which may include:

• Severe limitations in understanding or applying information, interacting with others, concentrating on tasks, or maintaining pace.
• Marked limitation in areas such as social functioning, daily living activities, and maintaining concentration.
• Episodes of decompensation (when your symptoms worsen significantly).

The SSA will assess your ability to function in a work environment and will require detailed medical records showing that your PTSD symptoms prevent you from maintaining consistent employment.

Step 4: Apply for Disability Benefits in Texas

To apply for SSDI or SSI in Texas, follow these steps:

Apply Online:

The easiest way to apply is through the SSA’s online portal at www.ssa.gov. You can fill out the application and submit your documents electronically.

Apply by Phone:

You can also apply by calling the SSA at 1-800-772-1213 to speak with a representative and start your application over the phone.

Apply in Person:

If you prefer, you can apply in person at your local Social Security office in Texas. Use the SSA office locator to find the nearest office.

During the application, you’ll need to provide:

• Your Social Security number
• Medical records related to your PTSD diagnosis and treatment
• Work history (for SSDI) or financial information (for SSI)
• Details of how your PTSD limits your ability to function

Step 5: Be Prepared for the Wait and Follow Up

Disability claims can take several months to process. It’s important to be patient during this time but also stay proactive. Here are some ways to stay on top of your claim:

• Check the Status Online: You can create a my Social Security account to track the status of your application online.
• Follow Up with the SSA: If you haven’t heard anything within a few months, call the SSA at 1-800-772-1213 or visit your local office to get an update on your claim.
• Respond Quickly to Requests: If the SSA asks for additional information, respond promptly to avoid delays.

Step 6: What to Do If Your Application is Denied

Unfortunately, many initial claims for disability benefits are denied, even if you have a legitimate case. If your application for PTSD-related disability is denied, don’t be discouraged. You have the right to appeal. The appeals process includes several stages:

• Request for Reconsideration: If your claim is denied, you can request that the SSA reviews your case again.
• Hearing with an Administrative Law Judge (ALJ): If the reconsideration is denied, you can request a hearing where an ALJ will review your case in person and make a final decision.
• Appeals Council: If the ALJ denies your claim, you can appeal the decision to the Appeals Council.