1. Understand SSDI Eligibility Requirements

Before you apply, confirm that you meet the basic eligibility criteria:

• You must have a severe medical condition or disability expected to last at least 12 months or result in death
• You need sufficient work credits, which are earned through your employment history and Social Security tax contributions
• Typically, you need 40 work credits, with 20 earned in the last 10 years, but younger applicants may qualify with fewer credits

2. Gather Required Information and Documents

Preparing all necessary documents before applying helps avoid delays:

• Personal information: Date and place of birth, Social Security number, marital status, names and birth dates of children
• Employment history: Names and addresses of employers for the past 15 years, dates worked, and job duties
• Medical information: Names, addresses, and contact details of all doctors, hospitals, clinics, and specialists who treated you
• Medical records: Dates of visits, treatments received, test results, and prescribed medications
• Income and resources information: Bank accounts, insurance policies, and other financial resources (especially if applying for SSI simultaneously)

3. Ways to Apply for SSDI in Iowa

A. Apply Online

• Visit ssa.gov and navigate to the disability benefits section
• Create or log into your My Social Security account to begin your application
• Complete each section thoroughly and upload any requested documents

Applying online is the fastest and most convenient method, allowing you to save your progress and return later.

B. Apply by Phone

• Call SSA’s national toll-free number at 1-800-772-1213
• Representatives are available Monday through Friday, 8:00 AM – 7:00 PM
• They will guide you through the application process and schedule an appointment if needed

C. Apply In Person

• Schedule an appointment at your local Social Security office in Iowa
• To find the nearest office, use the SSA Office Locator tool at ssa.gov/locator

Applying in person is beneficial if you need assistance completing forms or have questions about eligibility and documentation.

4. Complete the Application Accurately

When filling out your application:

• Provide detailed and honest answers about your medical conditions and work limitations
• List all medical providers and treatments, even if you think they are minor
• Explain how your disability impacts your ability to perform daily activities and work tasks
• Double-check all information before submission to avoid processing delays

5. After Applying – What to Expect

Once you submit your SSDI application:

• SSA will review your application for completeness and basic eligibility
• They will forward your case to the Iowa Disability Determination Services (DDS) for a medical review
• DDS will gather medical records, possibly contact your doctors, and may schedule a Consultative Examination (CE) with an SSA-approved doctor if additional evaluation is needed
• You will receive a decision letter by mail, which generally takes 3-5 months, but processing times vary depending on your case complexity and medical evidence availability

6. If Your Application is Denied

Many SSDI applications are denied initially. If this happens:

• Do not get discouraged
• You have 60 days to file an appeal (Request for Reconsideration)
• Gathering additional medical evidence and consulting with a disability attorney can strengthen your case during the appeals process