Types of Disability Benefits in Oklahoma

Oklahomans may qualify for one or both of the following programs:

• Social Security Disability Insurance (SSDI)
• Based on your work history.
• You must have paid into Social Security through payroll taxes.
• You need a certain number of “work credits” based on your age.
• Typically, 40 credits (10 years of work), with some exceptions for younger workers.

• Supplemental Security Income (SSI)
• Based on financial need.
• No work history required.
• Strict limits on income and resources ($2,000 for individuals, $3,000 for couples).
• Often paired with Medicaid eligibility in Oklahoma.

Who Decides If You’re Disabled in Oklahoma?

After you submit your application to the SSA, it’s forwarded to Disability Determination Services (DDS) in Oklahoma — part of the Oklahoma Department of Rehabilitation Services. This agency reviews your medical records and decides if you meet the SSA’s definition of disability.

To qualify, your condition must:

• Be severe enough to prevent “substantial gainful activity.”
• Last (or be expected to last) at least 12 months or result in death.
• Prevent you from performing your previous work or adjusting to new work.

How to Apply for Disability in Oklahoma

You can apply in three ways:

• Online: ssa.gov/applyfordisability
• By phone: Call 1-800-772-1213
• In person: Schedule an appointment at your local SSA office

Make sure you have the following ready:

• Medical records
• Work history
• Doctor and hospital contact information
• List of medications and treatments

What Happens After You Apply?

1. DDS reviews your application and may contact your doctors.
2. You may be asked to attend a Consultative Examination (CE) with an SSA-approved doctor.
3. A decision is typically made within 3 to 5 months.

If approved:

• SSDI benefits may include back pay and eventual Medicare eligibility.
• SSI recipients may qualify for Oklahoma Medicaid (SoonerCare) right away.

If denied:

• Don’t give up — you can appeal the decision through several levels:
• Reconsideration
• Hearing with an Administrative Law Judge (ALJ)
• Appeals Council review
• Federal court

State Resources That Can Help

While Oklahoma doesn't offer separate disability checks, state services can support you:

• Oklahoma Department of Rehabilitation Services (DRS): Offers vocational rehabilitation, assistive technology, and employment services.
• SoonerCare: Oklahoma’s Medicaid program helps SSI recipients access healthcare.
• Legal aid organizations: Help with disability appeals and navigating the SSA system.