Step 1: Determine Which Program You Qualify For

There are two main types of disability benefits:

• SSDI is for individuals who have worked and paid into Social Security through payroll taxes. You must have enough work credits based on your age.
• SSI is for those with limited income and resources. It does not require a work history, but you must meet strict financial criteria.

Step 2: Gather Required Documentation

Before applying, collect all the documents you'll need:

• Social Security number and birth certificate
• W-2 forms or self-employment tax returns
• Detailed medical records and a list of medications
• Names, addresses, and contact info for all medical providers
• Description of your work history for the last 15 years

Step 3: File Your Application

You can apply for disability benefits in Arkansas in one of three ways:

• Online at www.ssa.gov
• By phone at 1-800-772-1213
• In person at your local Social Security office in Arkansas

Tip: The online method is often the quickest and most convenient.

Step 4: Your Claim Is Sent to DDS for Review

Once your application is complete, it will be sent to Arkansas Disability Determination for SSA (DDS). This agency reviews your medical evidence and determines whether your condition meets the SSA’s definition of disability.

They may:

• Request additional medical records
• Schedule a Consultative Exam (CE) with a doctor
• Contact you for clarification or more information

Step 5: Wait for a Decision

It can take 3 to 6 months to receive an initial decision. You will receive a letter in the mail informing you of the outcome.

• If approved, you’ll begin receiving monthly payments.
• If denied, don’t worry—you have the right to appeal (see our North Carolina appeal guide for more info on this process).