Step 1: Determine Your Eligibility

Before applying, figure out which program you're eligible for:

• SSDI (Social Security Disability Insurance)
• Requires a work history where you paid into Social Security
• You need a sufficient number of work credits, usually 40 (10 years of work), but fewer if you're younger
• Your condition must prevent substantial gainful activity (SGA)
• SSI (Supplemental Security Income)
• Based on financial need, not work history
• Strict income and asset limits
• Often comes with Medicaid eligibility in Iowa

Both programs require your condition to:

• Be severe and prevent full-time work
• Last or be expected to last at least 12 months or result in death

Step 2: Gather Medical and Personal Documentation

Strong documentation makes your case more convincing. Collect:

• Medical records from all doctors, clinics, and hospitals
• Treatment history and medication list
• Statements from physicians about your limitations
• Your work history (past 15 years)
• Personal identification and financial records (for SSI)

Step 3: Apply for Disability

You can apply through any of the following:

• Online: www.ssa.gov
• By phone: Call 1-800-772-1213
• In person: Visit your local Iowa SSA field office (appointment may be required)

Make sure to complete all sections accurately. Mistakes can lead to delays or denials.

Step 4: Your Case is Reviewed by Iowa DDS

Your completed application is sent to Disability Determination Services (DDS) in Iowa. They review your:

• Medical records
• Statements from you and your doctors
• Any new evidence requested (like a consultative exam with an SSA-approved doctor)

This process usually takes 3 to 6 months.

Step 5: Receive a Decision

You’ll get a letter from the SSA telling you whether your claim was approved or denied.

• If approved:
• SSDI recipients may get back pay and Medicare eligibility after 24 months
• SSI recipients can receive monthly benefits and Medicaid right away
• If denied:
• Don’t give up—most initial applications are denied. You have the right to appeal.

Step 6: Appeal If Necessary

You have 60 days to appeal an SSA denial. The process includes:

1. Reconsideration
2. Hearing before an Administrative Law Judge (ALJ)
3. Appeals Council Review
4. Federal court review (if needed)

Each step gives you a new opportunity to present evidence and win your case.