Step 1: Understand Which Program You Qualify For

There are two primary disability programs administered by the Social Security Administration (SSA):

• SSDI is for individuals who have worked and paid into Social Security through payroll taxes.
• SSI is for individuals with limited income and resources, regardless of work history.

In Oklahoma, you may apply for one or both depending on your work credits and financial need.

Step 2: Gather Your Personal and Medical Information

Before applying, make sure you have the following:

• Medical records from all treating physicians
• List of prescriptions, diagnoses, and hospital visits
• Your complete work history for the past 15 years
• Contact information for doctors and hospitals
• Social Security Number and details about your household income and assets

Accurate and complete information helps prevent delays or denials.

Step 3: Choose How You Want to Apply

You can start your application in one of three ways:

• Online at www.ssa.gov
• By phone at 1-800-772-1213
• In person at a local Social Security office in Oklahoma

If you’re unsure which option is best, applying online is usually the fastest and most convenient.

Step 4: Complete the Disability Application

Be thorough and honest when answering every question. Be prepared to explain:

• How your medical condition limits your ability to work
• The dates of diagnoses and treatments
• Any work-related limitations (lifting, sitting, concentration, etc.)

You’ll also be asked to sign medical release forms so the SSA can review your records.

Step 5: Submit and Track Your Application

Once submitted:

• Create a “my Social Security” account to check the status of your claim.
• Respond quickly to any requests for more information.
• Keep copies of everything you submit.

Initial decisions in Oklahoma can take 3 to 6 months. If denied, you have the right to appeal.