Steps to Apply for Disability in Michigan for PTSD

Step 1: Understand the Eligibility Requirements

To qualify for disability benefits in Michigan, you must meet certain eligibility criteria for either Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Both programs provide financial assistance to individuals who are unable to work due to a disability, but the eligibility requirements differ.

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

In both cases, you need to demonstrate that your PTSD is severe enough to prevent you from working for at least 12 months or result in death.

Step 2: Gather Detailed Medical Documentation

The most crucial part of your disability application will be the medical evidence that shows how PTSD impacts your ability to work. The SSA will need to see detailed records from healthcare providers, which may include:

• Doctor's Records: Documentation from your psychiatrist, psychologist, or therapist that confirms your PTSD diagnosis. This should include notes from visits, treatment plans, and any medication prescribed.
• Medical Tests and Evaluations: Any mental health assessments or evaluations performed by healthcare professionals can help prove the severity of your condition.
• Letter from Your Doctor: A letter from your treating physician explaining how your PTSD affects your ability to work is essential. This letter should provide details on the specific limitations your PTSD causes, such as difficulties concentrating, dealing with stress, or performing basic tasks.
• Therapy and Counseling Records: If you are undergoing counseling or therapy for PTSD, include these records as well. It shows that you are receiving treatment, which strengthens your claim.

Step 3: Complete the Disability Application Accurately

Once you have your medical evidence in place, the next step is to complete the application for disability benefits. Here's how you can do it:

• Apply Online: The easiest way to apply for SSDI or SSI benefits is through the SSA’s online portal at www.ssa.gov. Applying online is faster and more convenient.
• Be Thorough and Honest: When filling out the application, ensure that you provide accurate and detailed information about your PTSD and its impact on your daily life and work capabilities. The more specific you are, the better.
• Submit All Required Documents: Along with your application, submit any requested medical records, work history, and other necessary documentation. Missing information can delay the process and lead to a denial.

Step 4: Understand the SSA’s Evaluation Process for PTSD

The SSA evaluates disability claims based on a five-step process. For PTSD, they will assess whether your condition meets their definition of a disability:

• Step 1: Substantial Gainful Activity (SGA): If you are earning above a certain income, the SSA may decide that you are not disabled. In 2025, earning more than $1,470 per month (or $2,460 if you are blind) may make you ineligible for benefits.
• Step 2: Severe Condition: Your PTSD must significantly limit your ability to work and perform basic tasks like concentrating, communicating, and interacting with others.
• Step 3: Meet a Listed Impairment: PTSD is listed in the SSA’s “Listing of Impairments” under mental disorders. You must provide medical evidence that shows your PTSD meets the SSA’s criteria for a disabling condition. This includes showing that your condition results in marked limitations in at least two areas, such as understanding or applying information, interacting with others, or concentrating.
• Step 4: Past Work: The SSA will evaluate whether your PTSD prevents you from doing any of your previous work. If you can’t perform your past job, they will move on to the next step.
• Step 5: Other Work: The SSA will assess whether your PTSD allows you to do any other type of work, considering factors such as age, education, and transferable skills. If you can’t do any type of work, you may be eligible for benefits.

Step 5: Follow Up and Stay Organized

Once your application is submitted, it’s important to stay on top of the process. Here’s how to keep track:

• Create an SSA Online Account: This will allow you to check the status of your application and see if any additional documents are needed.
• Call the SSA: If you haven’t heard back or have questions, you can contact the SSA at 1-800-772-1213 for updates.

Step 6: Be Prepared for a Possible Denial

It’s common for SSDI and SSI claims, especially for mental health conditions like PTSD, to be denied initially. If your claim is denied, don’t lose hope—you have the right to appeal.

• Request Reconsideration: This is the first step in the appeals process, where the SSA will review your claim again.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is a critical stage where you can present your case in person and provide additional evidence.
• Provide New Evidence: During the appeals process, be sure to submit any new medical records or other documentation that can strengthen your case.

Step 7: Consider Getting Help if Needed

While you can apply for Social Security Disability benefits without a lawyer, the process can be complicated—especially when it comes to mental health conditions like PTSD. If you’re struggling with your application or facing a denial, you may want to consult with a disability attorney or advocate. A professional can help you navigate the application process, gather evidence, and represent you during the appeals process.