If you're unable to work due to a disability, Social Security disability benefits can provide crucial financial support. Springfield MA residents can apply for both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) through the Social Security Administration office or online.

Types of Disability Benefits Available

SSDI Benefits

Social Security Disability Insurance for workers who have paid Social Security taxes and earned sufficient work credits.

  • Based on work history
  • No income limits
  • Medicare after 24 months
  • Family benefits available

SSI Benefits

Supplemental Security Income for disabled individuals with limited income and resources, regardless of work history.

  • Need-based program
  • Strict income limits
  • Immediate Medicaid eligibility
  • Resource limits apply

Important Note: You can apply for both SSDI and SSI simultaneously if you meet the eligibility criteria for both programs. This is called a "concurrent claim."

Eligibility Requirements

Medical Eligibility

To qualify for disability benefits, you must have a medical condition that meets Social Security's definition of disability:

  • Cannot do work that you did before
  • Cannot adjust to other work because of medical condition
  • Disability has lasted or is expected to last at least one year or result in death
  • Condition must significantly limit basic work-related activities

Work Requirements (SSDI Only)

For SSDI benefits, you must have worked long enough and recently enough under Social Security:

  • Generally need 40 credits (10 years of work)
  • 20 credits earned in the last 10 years ending with disability
  • Younger workers need fewer credits
  • Special rules for workers who become disabled before age 31

Official Application Portal

Apply for disability benefits online through the official Social Security website:

Apply Online at SSA.gov

Official and secure Social Security Administration website

Application Process

Step 1: Prepare Your Information

Before starting your application, gather all necessary documents and information. This will help ensure a smooth application process.

Step 2: Choose Your Application Method

Online Application

Available 24/7 from home

  • Fastest method
  • Save and return later
  • Automatic receipt confirmation

In-Person Visit

70 Bond Street, Springfield

  • Personal assistance
  • Help with complex cases
  • Document review

Step 3: Complete Application

The application will ask for detailed information about:

  • Personal information and contact details
  • Medical conditions and treatment history
  • Work history for the past 15 years
  • Education and training background
  • Daily activities and limitations

Need help with your application?

Schedule an Appointment

Required Documentation

Having the right documents ready will speed up your application process. You'll need:

Personal Documents

  • Social Security card
  • Birth certificate
  • Proof of U.S. citizenship or lawful alien status
  • Military discharge papers (if applicable)

Medical Records

  • Names and addresses of doctors
  • Names and dates of medical tests
  • Hospital and clinic records
  • List of medications

Work Information

  • W-2 forms or self-employment tax returns
  • Workers' compensation information
  • Dates of military service
  • Job descriptions and duties

Financial Information

  • Bank statements
  • Insurance policies
  • Property deeds
  • Information about other benefits

Pro Tip: You don't need to have all documents before starting your application. Social Security can help you obtain medical records, but having as much information as possible will speed up the process.

Processing Timeline and Next Steps

Understanding the disability determination process can help you prepare for what comes next after submitting your application.

Typical Timeline

1
Initial Review (3-5 months)

Social Security reviews your application and medical evidence

2
Medical Evaluation

May require additional medical exams or consultations

3
Decision Notice

You'll receive a written decision by mail

What Happens If You're Approved

  • Benefits typically begin the sixth full month after disability onset
  • You may receive back pay for eligible months
  • SSDI recipients become eligible for Medicare after 24 months
  • SSI recipients are immediately eligible for Medicaid
  • Annual cost-of-living adjustments apply

If Your Application Is Denied

Don't give up - you have the right to appeal. The appeals process includes:

  • Reconsideration (must file within 60 days)
  • Administrative Law Judge hearing
  • Appeals Council review
  • Federal Court review

Ready to start your disability benefits application?

Next: Apply Online

People Also Ask

How long does it take to get approved for disability benefits?

The initial decision typically takes 3-5 months. If approved, you may receive back pay. Check current processing times.

Can I work while receiving disability benefits?

There are work incentives that allow you to work while receiving benefits, with certain income limits. Learn about work incentives.

What happens if my disability application is denied?

You can appeal the decision within 60 days. Many successful claims require an appeal. Get help with appeals.

Do I need a lawyer to apply for disability benefits?

You can apply on your own, but legal representation can help, especially for appeals. Schedule a consultation to discuss your case.