1. Confirm You Meet the Eligibility Requirements

Before applying, make sure you qualify under the Social Security Administration’s (SSA) rules:

• You must have worked long enough and paid Social Security taxes.
• Your condition must prevent you from working for at least 12 months or be expected to result in death.
• Your income cannot exceed the Substantial Gainful Activity (SGA) limit, which is $1,550 per month in 2025 (or $2,590 if blind).

In New Jersey, eligibility also depends on whether your medical records clearly demonstrate your disability and limitations.

2. Gather the Right Documentation

Having the correct paperwork ready will speed up your claim. You’ll need:

• Medical Records: Hospital visits, lab results, imaging reports, and doctor’s notes.
• Employment History: A detailed list of jobs you’ve held in the past 15 years.
• Personal Information: Birth certificate, Social Security number, and contact details.
• Financial Information: Tax forms, W-2s, or proof of self-employment.

The stronger your documentation, the better your chances of approval at the initial stage.

3. File Your SSDI Application

You can apply for SSDI in New Jersey through three main methods:

• Online: Submit your claim at www.ssa.gov.
• By Phone: Call the SSA at 1-800-772-1213.
• In Person: Visit your local Social Security office. Offices in Newark, Jersey City, Trenton, and other New Jersey cities are available to help.

Applying online is often the fastest method, but visiting an office allows you to ask questions in person.

4. Understand the SSA’s Review Process

After you file, your application is reviewed by:

1. The SSA Office: Verifies your work history and non-medical eligibility.
2. Disability Determination Services (DDS): A New Jersey state agency that reviews your medical evidence and decides if your condition qualifies.

This stage can take 3 to 6 months, depending on the backlog and whether additional medical exams are required.

5. Be Prepared for Possible Denials

It’s important to know that most first-time SSDI applications are denied—even valid ones. If this happens in New Jersey, you have the right to:

• File a Request for Reconsideration.
• Appeal to a hearing before an Administrative Law Judge (ALJ).
• Continue through higher levels of appeal if needed.