Step 1: Understand the Eligibility Requirements

To qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), you must meet certain criteria:

• SSDI: This program is for individuals who have worked and paid into Social Security for a required number of years.
• SSI: This program is for individuals with limited income and resources and does not require a work history.

For both programs, you must prove that your PTSD prevents you from working for at least 12 months or is expected to result in death.

Step 2: Meet the SSA’s Definition of Disability for PTSD

The SSA includes PTSD in its Listing of Impairments under the category of mental disorders. To qualify for Social Security Disability benefits, you need to show that your PTSD meets the SSA’s criteria for this condition. This includes:

• Marked Limitations in Functioning: You must demonstrate that PTSD severely limits your ability to perform basic work activities such as concentrating, interacting with others, and maintaining a regular work schedule.
• Severity of Symptoms: Symptoms of PTSD must be severe enough to prevent you from holding a job. Common symptoms include flashbacks, hypervigilance, severe anxiety, and intrusive thoughts, all of which must be well-documented by a medical professional.
• Medical Documentation: You need detailed medical evidence from mental health professionals, such as psychologists or psychiatrists, that document your PTSD diagnosis and how it affects your ability to function.

Step 3: Gather Detailed Medical Documentation

One of the most important parts of your claim is providing medical documentation that clearly outlines the severity of your PTSD. This includes:

• Medical Records: Obtain records from any doctors, therapists, or psychiatrists who have diagnosed or treated your PTSD. These records should include a diagnosis, treatment plan, and any medications prescribed.
• Therapy and Treatment Records: If you’re undergoing therapy, include details of your therapy sessions, as well as any reports from mental health professionals about your progress or setbacks.
• Doctor’s Opinion: A letter from your treating physician or mental health professional stating how your PTSD affects your ability to work and perform daily activities can be extremely helpful. The more detailed and specific the letter, the stronger your claim.
• Hospitalization Records: If you’ve been hospitalized for PTSD-related symptoms, include these records as well. They provide further evidence of the severity of your condition.

Step 4: Apply for Social Security Disability

You can apply for Social Security Disability benefits online at the SSA’s website (www.ssa.gov). You can also apply by phone or in person at your local SSA office. When applying, make sure to:

• Provide Complete and Accurate Information: Be honest and thorough in detailing your medical condition, work history, and any other relevant information.
• Submit Required Documents: Ensure that you include all necessary documentation, such as medical records, your work history, and any other relevant evidence. Missing documents can delay your claim or lead to a denial.

Step 5: Understand the SSA’s Five-Step Evaluation Process

The SSA evaluates disability claims using a five-step process. Here’s how your PTSD claim will be evaluated:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning above a certain threshold, the SSA may determine that you are not disabled.
• Step 2: Severe Condition: Your PTSD must be severe enough to significantly limit your ability to perform basic work tasks.
• Step 3: Meet a Listed Impairment: PTSD is listed in the SSA’s Listing of Impairments, but you must provide sufficient evidence that your condition meets the SSA’s criteria.
• Step 4: Past Work: The SSA will evaluate whether you can still perform your previous work. If not, they will move to the next step.
• Step 5: Other Work: The SSA will assess whether you can perform other types of work, given your skills, education, and age.

Make sure that you provide enough medical evidence to meet the SSA’s definition of disability at each of these steps.

Step 6: Follow Up and Stay Organized

Once you submit your application, you can check its status online or by calling the SSA at 1-800-772-1213. Keep copies of all correspondence and respond promptly to any requests for additional information. Staying organized can help prevent delays in your claim.

Step 7: Be Prepared for a Possible Denial

It’s common for Social Security Disability claims to be denied initially, even if you have a valid claim. If your PTSD claim is denied, don’t be discouraged. You have the right to appeal the decision.

• Request Reconsideration: The first step is to ask the SSA to review your claim again.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your opportunity to present your case in person.
• Submit Additional Evidence: During the appeals process, be sure to provide any new medical records or other evidence that supports your claim.

Step 8: Consider Getting Help If Needed

Although it’s possible to apply for Social Security Disability on your own, it can be helpful to consult with a disability attorney or advocate, especially if your PTSD case is complex or you need to go through the appeals process. Legal representation can improve your chances of success by ensuring that your case is properly presented and all necessary evidence is included.