Steps to Apply for Disability Benefits in Texas

Step 1: Understand the Types of Disability Benefits Available

In Texas, as across the U.S., the Social Security Administration (SSA) offers two main disability programs:

• Social Security Disability Insurance (SSDI): This program is for individuals who have a work history and have paid Social Security taxes over time.
• Supplemental Security Income (SSI): SSI is based on financial need rather than work history. It’s designed to help people with limited income and resources.

Both programs require that you prove your medical condition is severe enough to prevent you from engaging in substantial gainful activity for at least 12 months, or that your condition is expected to result in death.

Step 2: Gather Your Medical and Work History Information

Strong medical evidence and an accurate work history are essential for a successful application. Here’s what to collect:

• Detailed Medical Records: Include doctor's notes, test results, hospital records, and treatment plans.
• Physician’s Statement: Get a letter from your doctor detailing how your condition limits your ability to work.
• Work History: List your past jobs, duties, and dates of employment to demonstrate how your disability impacts your ability to work.

Step 3: Complete the Application Carefully

You can apply for disability benefits in Texas through several methods:

• Online: Visit www.ssa.gov to start your application.
• By Phone: Call the SSA at 1-800-772-1213.
• In Person: Visit your local Social Security office in Texas.

Step 4: Tips for Application Success:

• Answer Every Question Thoroughly: Provide complete and accurate details about your condition, treatments, and work history.
• Submit All Requested Documents: Missing paperwork can delay your claim or lead to denial.
• Be Honest: Ensure your descriptions of your condition and limitations are truthful and specific.

Step 5: Understand the Evaluation Process

The SSA uses a five-step process to evaluate your claim:

1. Substantial Gainful Activity (SGA): Are you earning above the income limit?
2. Severity of Condition: Does your disability significantly limit basic work activities?
3. Listing of Impairments: Does your condition match an SSA-listed impairment?
4. Past Work: Can you still perform your previous job?
5. Other Work: Can you do any other work, considering your age, education, and skills?

Being familiar with these steps helps you provide the necessary evidence at each stage.

Step 6: Stay Organized and Monitor Your Application

After submitting your application, stay proactive:

• Create a “my Social Security” Account: Track your application status and updates online.
• Respond Promptly: If the SSA requests more information, provide it quickly.
• Keep Records: Maintain copies of all forms, letters, and communication with the SSA.

Step 7: Prepare for a Possible Denial and Appeals Process

Many applications are denied initially, but you have the right to appeal:

• Request Reconsideration: Ask for a second review of your application.
• Hearing Before an Administrative Law Judge (ALJ): If reconsideration fails, request a hearing.
• Submit Additional Evidence: Provide new medical records or expert opinions to strengthen your case.

Step 8: Consider Professional Assistance if Needed

Although you can apply independently, professional guidance can make a difference, especially during appeals or for complex cases. Experts can help you understand legal terms, avoid common mistakes, and present a stronger case.