Understand the Types of Disability Benefits

Before applying, you need to know which program you may qualify for:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid Social Security taxes. Eligibility depends on work history and the severity of your condition.
• SSI (Supplemental Security Income): For people with limited income and resources, regardless of work history.

Step-by-Step Guide to Applying for Disability in Oklahoma

Step 1: Check If You Qualify

To qualify for SSDI or SSI, you must:

• Have a medical condition that prevents you from working and is expected to last at least 12 months or result in death
• Meet the work credit requirement (for SSDI) or fall within income/resource limits (for SSI)

You can check your eligibility at the SSA website.

Step 2: Gather Important Information

Before applying, collect the following:

• Detailed medical records, test results, and doctors' notes
• Work history for the past 15 years
• W-2 forms or self-employment tax records
• A list of all medications and treatments you’ve received
• Information on your daily limitations and how your condition affects your ability to work

Step 3: Submit Your Application

You can apply for disability benefits in Oklahoma using one of these methods:

• Online: The fastest and easiest way is to apply at www.ssa.gov.
• By phone: Call the SSA at 1-800-772-1213 to apply by phone.
• In person: Visit a local Social Security office. You can find one near you by searching the SSA’s field office locator.

Step 4: Cooperate With Disability Determination Services (DDS)

After you apply, your claim will be reviewed by Oklahoma Disability Determination Services, which evaluates your medical eligibility.

You may be asked to:

• Attend a consultative exam with an SSA-approved doctor
• Submit additional documentation if requested
• Provide updates on your condition or treatment

Step 5: Track Your Application Status

It can take several months to receive a decision. In the meantime:

• Create an online SSA account to track your application
• Keep copies of everything you submit
• Follow up if you haven’t received updates within a reasonable time

What If You're Denied?

Don’t panic—most initial claims are denied. If this happens:

• You have 60 days to file an appeal
• You may request a reconsideration, and if denied again, you can request a hearing before an Administrative Law Judge (ALJ)

Appealing successfully requires strong evidence and persistence.