Susan E. Thomas CPA
How do I get disability benefits from Social Security?

Getting Social Security disability benefits is a two-step process. First, the Social Security Administration (SSA) determines whether you are eligible to receive benefits. This determination is based on the number of years you have worked and paid Social Security taxes. Second, you apply for disability benefits by furnishing information about your claim, including the names, addresses, and telephone numbers of physicians, hospitals, and clinics that have treated you for your disability. You will also be asked to provide a copy of your most recent W-2 form (or tax return if you're self-employed), as well as your Social Security number and proof of your age.

If your claim is approved, don't expect to get your disability benefits right away. Your first benefits will be paid for the sixth full month after the date your disability occurred and will cover only a portion of your lost income. The standard for Social Security disability is strict. You must have a medically definable impairment that is expected to prevent you from working for at least a year or is expected to result in death. If you are receiving disability benefits some of your family members may qualify for benefits as well. You'll also get Medicare coverage automatically after you've received disability benefits for two years.

This is just an overview. For specific information about your situation, contact a Social Security representative at (800) 772-1213. You can also visit for general information or to apply for benefits.

Prepared by Broadridge Investor Communication Solutions, Inc, Copyright 2011