Step 1: Understand the Two Types of Disability Benefits

There are two primary types of Social Security Disability benefits you can apply for:

• Social Security Disability Insurance (SSDI): SSDI is available to individuals who have worked and paid Social Security taxes for a certain number of years. You must have a work history and be able to prove that your disability prevents you from working.
• Supplemental Security Income (SSI): SSI is a needs-based program for individuals with limited income and resources. You do not need a work history to qualify for SSI, but you must meet strict financial eligibility criteria.

Step 2: Determine Eligibility for Disability Benefits in Oklahoma

Before you apply, it's important to determine whether you meet the eligibility requirements for SSDI or SSI:

For SSDI:

• You must have worked in jobs where you paid Social Security taxes.
• You must have a medical condition that prevents you from working and is expected to last for at least 12 months or result in death.

For SSI:

• You must have limited income and resources.
• You must meet the SSA's definition of disability.

Both programs require that your disability prevent you from performing substantial work for a continuous period of at least 12 months. The Social Security Administration (SSA) has a Listing of Impairments which includes conditions that may qualify for benefits if they meet specific medical criteria.

Step 3: Gather Necessary Medical Evidence

One of the most important parts of your disability claim is the medical evidence supporting your disability. Without sufficient medical documentation, it will be difficult to prove that you are disabled. Here's how to gather the evidence you'll need:

• See your doctors regularly: Make sure to attend all medical appointments and follow prescribed treatments. This will create a solid medical record to support your case.
• Collect medical records: Obtain complete records from your treating physicians, including diagnoses, treatment plans, medical test results, and hospital records.
• Get a doctor’s statement: A statement from your treating doctor can greatly strengthen your claim. A letter that describes how your disability impacts your ability to work will be valuable.
• Include specialists' records: If you see any specialists (e.g., neurologists, psychologists, orthopedic specialists), make sure to include their records as well. These records help demonstrate the full extent of your condition.
  

Step 4: File Your Disability Application

Once you have gathered your medical evidence, you can begin the application process. In Oklahoma, you can apply for disability benefits in one of the following ways:

• Online: You can apply for SSDI or SSI benefits online through the SSA’s website at www.ssa.gov. Applying online is the easiest and fastest method.
• By Phone: Call the SSA at 1-800-772-1213 to apply over the phone. You can schedule an appointment with a representative to start your application.
• In Person: You can also visit your local SSA office in Oklahoma to apply in person. Use the SSA’s office locator tool on their website to find your nearest office.

Step 5: Follow the SSA’s Five-Step Disability Evaluation Process

The SSA uses a five-step process to evaluate disability claims. Understanding how they evaluate your case can help you prepare your application:

• Step 1: Are you working?
  If you are working and earning more than a certain amount per month, the SSA may deny your claim. For 2025, the monthly earnings threshold is $1,470 for non-blind individuals and $2,460 for blind individuals.
• Step 2: Is your condition severe?
  Your medical condition must significantly limit your ability to perform basic work activities. If your condition doesn’t meet the SSA’s definition of severity, your claim may be denied.
• Step 3: Does your condition match a Listing of Impairments?
  If your condition is listed in the SSA’s Listing of Impairments, it will automatically qualify you for benefits if you meet the medical criteria. Conditions like heart disease, cancer, and mental health disorders are included.
• Step 4: Can you do your previous work?
  The SSA will evaluate whether you can still do the work you did previously. If you can perform your past job, your claim may be denied.
• Step 5: Can you do any other work?
  If you cannot perform your previous job, the SSA will evaluate whether you can do any other type of work based on your skills, education, and experience.

Step 6: Be Prepared for Potential Delays and Denials

It’s important to know that many disability claims are initially denied, especially if you apply without sufficient medical evidence. Don’t be discouraged if you receive a denial. The appeals process exists to ensure that those who truly deserve benefits get them.

• Request Reconsideration: If your claim is denied, you can ask for a reconsideration, where another SSA employee will review your case. This is the first step in the appeals process.
• Request a Hearing: If your reconsideration is denied, you have the right to request a hearing before an Administrative Law Judge (ALJ). This is often the most important stage of the process, as it allows you to present your case in person.

Step 7: Get Help from a Disability Lawyer

If you find the application process confusing or if your claim is denied, it may be helpful to seek legal representation. A disability lawyer can:

• Help you prepare and submit your application to ensure it’s complete and accurate.
• Assist with gathering medical evidence and obtaining supporting documentation.
• Represent you during the appeals process, if necessary.

Although hiring a lawyer is not mandatory, it can greatly improve your chances of getting approved for disability benefits, especially if you face a denial.