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How to Apply for Disability Insurance

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How to Apply for Disability Pension

Disability pension will allow you to pay your monthly expenses even if you aren't able to work because of a disability. There is a specific process that needs to be followed to apply for disability. The process can be drawn out, but you need to follow through if you want to claim disability payments. 

Applying for disability pension payments is a long process, but if you are disabled and unable to work it can help provide you with a small income to cover monthly bills. There are several pieces of information you'll need. You'll also need to be patient as the entire process can exceed 6 months easily.



  • Gather all of the necessary information. You'll need copies of your medical history and doctor's statements. Some doctors' offices require you to call ahead and pay for copies to retrieve your medical records. If you can't or don't want to pay for this just have the information on the dates of your visits. You also want to pull together your tax information for the last several years. This will show your work history as well as your level of income before you became disabled. Make sure you have your Social Security card, birth certificate or naturalization papers. Make copies of all of these items.

  • Go online to the Social Security Administration website and print out the necessary forms. If you'd rather not do this online you can call and set up an appointment to talk with a counselor at your local office. This may take longer if you choose not to file online.

  • Mail in any necessary forms once you've completed the online application. If you're going in person to speak with someone you can just take the forms and all of your copies with you.

  • Keep copies of any additional paperwork you are required to fill out. It can take 90 days to have your application reviewed. During the review process you may be asked to provide more information.