Step 1: Understand Disability Benefits Programs in Michigan

In Michigan, there are two primary programs available for individuals with disabilities:

• Social Security Disability Insurance (SSDI): This program provides benefits to individuals who have worked and paid into the Social Security system through payroll taxes. To qualify for SSDI, you must have a work history and a disability that prevents you from working for at least one year or is expected to result in death.
• Supplemental Security Income (SSI): Unlike SSDI, SSI is a needs-based program designed for individuals with limited income and resources who are blind, disabled, or aged 65 and older. SSI benefits are not based on work history but instead on financial need.

Step 2: Determine Your Eligibility

Before you begin the application process, it’s important to understand whether you meet the eligibility requirements for SSDI or SSI:

• For SSDI: You must have worked a certain number of years and paid Social Security taxes. Generally, you need 40 work credits, 20 of which must have been earned in the last 10 years. The exact requirements depend on your age and when you became disabled.
• For SSI: To qualify for SSI, you must meet income and resource limits. In 2025, the income limit is $1,138 per month for an individual and $1,913 per month for a couple. Your resources (such as savings and property) must be below $2,000 for an individual and $3,000 for a couple, although certain assets (like your home) are excluded.

Step 3: Gather Required Documents

When applying for disability benefits, you will need to provide various documents to support your claim. Here are some of the key documents you will need:

• Proof of Identity: A birth certificate, passport, or other official identification.
• Medical Records: You will need detailed medical documentation that shows the extent of your disability and how it impacts your ability to work. This can include hospital records, doctor’s notes, test results, and a report from your treating physician.
• Work History and Earnings: For SSDI, you will need to provide proof of your work history, including your Social Security number and W-2 forms or tax returns.
• Income and Financial Information: For SSI, you will need to provide information about your income (pay stubs, tax returns) and resources (bank statements, property records).

Step 4: Apply for Disability Benefits

You can apply for disability benefits in Michigan through the Social Security Administration (SSA) using the following methods:

• Online Application: The easiest way to apply for SSDI or SSI is online. Visit the SSA’s website at www.ssa.gov to start your application. For SSDI, the online application process will ask you to fill out a series of forms about your work history and medical condition. For SSI, you will be asked to provide information about your income, resources, and medical situation.
• In Person: If you prefer to apply in person or need assistance, you can schedule an appointment with your local SSA office. You can use the SSA’s office locator tool on their website to find an office near you in Michigan, or call them at 1-800-772-1213 to make an appointment.
• By Phone: You can also apply over the phone by calling the SSA’s toll-free number at 1-800-772-1213. A representative will help you through the application process.

Step 5: Complete the Application Carefully

Make sure to fill out your application thoroughly and accurately. The information you provide will help the SSA determine your eligibility. Be detailed about your medical condition, limitations, work history, and any other required information. Missing or inaccurate information can delay your claim or lead to a denial.

Step 6: Wait for a Decision

After you submit your application, the SSA will review your case. The review process may take several months. On average, it can take 3-5 months for the SSA to process your claim, but it could take longer depending on the complexity of your case.

• Approval: If your application is approved, you will begin receiving disability benefits according to the SSA’s schedule.
• Denial: It’s common for disability claims to be denied initially, even if you have a valid claim. If your application is denied, you have the right to appeal the decision. You can request a reconsideration of the decision, or if that is denied, you can request a hearing before an Administrative Law Judge (ALJ).

Step 7: Follow Up on Your Application

While waiting for a decision, it’s essential to keep track of your application’s status. You can create a my Social Security account online to track the progress of your claim and see if any additional documentation is needed. If the SSA requests more information, be sure to respond quickly to avoid delays.