Step 1: Determine Which Program You Qualify For

There are two primary federal disability programs:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid Social Security taxes long enough to earn sufficient work credits.
• SSI (Supplemental Security Income): For individuals with limited income and resources, regardless of work history.

In some cases, you may qualify for both programs.

Step 2: Gather Required Documentation

Before starting your application, make sure you have the following:

• Medical Records: Include all doctor visits, hospitalizations, medications, lab results, and treatment notes.
• Work History: List of jobs over the last 15 years, including job duties and dates.
• Personal Information: Birth certificate, Social Security number, and financial records.
• Supporting Statements: Written statements from doctors and caregivers describing how your condition affects your ability to work.

Step 3: File Your Application

You can apply for SSDI or SSI in Virginia through the Social Security Administration (SSA):

• Online: Visit www.ssa.gov
• By Phone: Call the SSA at 1-800-772-1213
• In Person: Schedule an appointment at your local Social Security office

If you're unsure which program is right for you, SSA representatives can help guide you during the process.

Step 4: Cooperate With the Disability Determination Services (DDS)

Virginia’s Disability Determination Services (DDS) is the state agency responsible for reviewing disability claims. After you apply, DDS may:

• Request additional medical records
• Schedule a consultative examination (CE)
• Contact your doctors for clarification

Make sure you attend any scheduled exams and respond to SSA or DDS requests promptly.

Step 5: Wait for a Decision

It can take 3 to 6 months (or more) to receive a decision. You’ll get a letter in the mail informing you whether your application was approved or denied.

If denied, don’t panic — you have the right to appeal.