ILLINOIS — If you’re unable to work due to a serious illness or disability, you may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). But the application process can be lengthy, confusing, and — for many — frustrating, especially when a denial arrives.
Here’s how Illinois residents can apply for SSDI or SSI in 2025, and what steps to take if your claim is rejected.
What’s the Difference Between SSDI and SSI?
Both programs are managed by the Social Security Administration (SSA), but they serve different groups:
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SSDI (Social Security Disability Insurance)
For people who have worked and paid into Social Security but are now too disabled to work. -
SSI (Supplemental Security Income)
For people with low income and limited assets — includes the elderly, blind, or disabled who may not qualify for SSDI.
You can apply for one or both programs depending on your situation.
How to Apply for SSDI or SSI in Illinois
There are three ways to apply:
1. Online at SSA.gov
The fastest way is to visit ssa.gov/apply
You can complete most SSDI applications online, including uploading medical history and work details.
SSI applications must start online but typically require a follow-up phone or in-person interview.
2. By Phone
Call the SSA at 1-800-772-1213
(TTY users: 1-800-325-0778)
Monday–Friday, 8 a.m. to 7 p.m.
3. In-Person at a Local SSA Office
Use the Social Security Office Locator to find your nearest location in Cook County or the Chicago suburbs.
You’ll need:
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Proof of ID (driver’s license, state ID, or passport)
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Work and income records (for SSDI)
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Medical documentation: doctor’s letters, diagnosis codes, hospital records
- Bank info for direct deposit
How Long Does It Take to Get a Decision?
After applying, expect:
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3 to 6 months for an initial decision
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Faster if your case qualifies under Compassionate Allowances (CAL) — for severe or terminal illnesses
Illinois has seen slight improvements in processing speed in 2025, but delays are still common due to high case volume.
What If Your Application Is Denied?
More than 60% of first-time SSDI and SSI applicants are denied — but that doesn’t mean your case is over.
You have 60 days to appeal after receiving a denial letter.
SSA Appeals Process:
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Reconsideration Request
Ask for a second review by someone who didn’t handle your first claim
🔗 File online: ssa.gov/reconsideration -
Hearing Before an Administrative Law Judge (ALJ)
You or your lawyer present evidence in a formal setting
Wait times in Illinois: typically 4–7 months after requesting a hearing -
Appeals Council Review
If the ALJ denies your claim, you can request a higher-level SSA review -
Federal Court
Final step — requires a Social Security attorney
Get Help With Your SSDI or SSI Appeal
Illinois residents can get free or low-cost legal help from these trusted resources:
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Illinois Legal Aid Online
Offers step-by-step tools and connects users with lawyers -
Equip for Equality
Disability rights group that helps with SSDI/SSI claims -
Legal Council for Health Justice
Focused on helping people with serious medical needs
Most Social Security lawyers work on contingency, meaning they only get paid if you win — capped by federal law.
Common Reasons for Denial
“Lack of medical evidence”
“You can still do ‘light work’”
“Didn’t meet SSA’s duration or severity test”
Even small mistakes on paperwork or missed deadlines can result in denial. That’s why legal or nonprofit help is highly recommended, especially for first-time applicants.
Have You Faced Challenges Applying for SSDI or SSI in Illinois?
We want to hear your story — from long delays to approval wins. Share your experience at chicagosuburbanfamily.com to help others navigating the same process in our community.
