Can I File for Disability Without a Lawyer?

Social Security Disability Insurance (SSDI) provides monetary benefits for disabled workers. Administered by the Social Security Administration (SSA), this program also provides benefits for the disabled worker's dependent children. However, a person must provide proof of his disability and gain approval from the SSA before he can receive benefits.

Legal Representation

• The Social Security Administration does not require disability claimants to have legal representation when filing. Having legal advice and courtroom representation can be helpful in many cases, but it's not mandatory. You can also file and complete the appeals process, if necessary, on your own.

Preparing

• Before you begin the application process, consider whether you meet the requirements for receiving SSDI. You should be unable to work a substantial amount of hours each week because of a long-term, disabling condition. To meet the SSA's definition of long term, your condition must last at least 12 months, or it must be expected to last that long. If you have a terminal condition, you will meet the disabling condition requirement.

  Your work history counts when determining your disability eligibility as well. In order to qualify, you must have earned at least 20 work credits--credits assigned based on the amount of money you've earned--over the last 10 years. The exact number of credits you need depends on how old you are when you are disabled.

  If you are under age 31, you may qualify for SSDI with fewer credits. The SSA provides different guidelines for younger people because they may have had less opportunity to earn credits than those who are over 31. The SSA has a chart that lists the amount of credits needed for each age group.

Applying

• Once you're ready to file for SSDI, you can do so online at www.socialsecurity.gov by completing an application and adult disability report. You'll need to provide the SSA with information about you, your dependents if you have any, your work history and your disabling condition. You'll also need to provide your doctor's contact information.

  If you prefer, you can visit your local Social Security office to apply in person or you can call the SSA at 1-800-772-1213. Online filing allows you to submit your claim application in the comfort of your own home. It can also save you from waiting in long lines at the Social Security Office.

Appealing

• Even if you and your doctor agree that you are disabled, Social Security may deny your claim. This may happen because of the information provided--or lacking--about your medical condition, or for other reasons. If this occurs, you can appeal by following the SSA's appeals process. In some cases, the process may end with the person filing the disability claim filing a lawsuit against the SSA in court.

  You can handle most appeals requests by filing them online, visiting your local Social Security office, or mailing appeals forms to the SSA. However, you must submit the Request for Review of Decision by the Appeals Council through the mail or in person. You'll have to appear and represent yourself in court if your appeals case ends up in federal court.