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Maryland disability benefits

How to Apply for Disability Benefits in Maryland

Written by
Jackie Jakab, Disability Attorney
Jackie Jakab
Lead Attorney
Published June 25, 2024
2 min read
Why trust us?

Atticus offers free, high-quality disability advice for Americans who can't work. Our team of Stanford and Harvard-trained lawyers has a combined 15+ years of legal experience and has helped over 50,000 Americans apply for disability benefits.

See if you qualify

If you’re a Maryland resident who can’t work due to an illness or disability, you might qualify for federal disability benefits programs, including Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). 

According to the Social Security Administration (SSA), more than 130,000 Marylanders qualify for SSI, SSDI, or both. Learn more about the eligibility requirements in Maryland and how you can apply for these disability benefits programs. 


What benefits are available in Maryland?

Maryland does not offer a statewide disability program. However, if you’re a sick or injured Marylander, you may qualify for Social Security benefits through the federal government or a private insurance company. As a Maryland resident, your options include:

  1. Social Security Disability Insurance: SSDI is geared toward those who are unable to work due to a long-term disability and offers monthly payments and Medicare. To qualify, you must have previously worked and paid taxes.

  2. Supplemental Security Income: If you have little to no work history, very little income, and few assets, you might be eligible for SSI, a similar federal program that pays monthly benefits and includes Medicaid.

  3. Veterans disability benefits: If you’re a veteran with an injury related to your military service that prevents you from working, you can apply to receive benefits through the Department of Veterans Affairs (VA).

  4. Private disability insurance: If you were covered by long-term or short-term disability insurance through an employer or private insurance company before your injury or illness began, you might have access to disability benefits. Check with your provider.

We've helped 2,553 people apply for benefits in Maryland.

SSDI vs. SSI: What’s the difference?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are government programs that provide monthly payments and health insurance coverage if you can’t work because of an illness or injury that is unrelated to your work. Here are a few areas of difference between SSDI and SSI:

  • Work history: SSDI is for people who have worked at least five out of the last 10 years and have paid taxes into Social Security. Meanwhile, SSI is for people with little to no work history, very low income, and few assets.

  • Payment amounts: The amount of SSI benefits you can receive depends on your assets and income level, whereas SSDI payments depend on the amount you paid in Social Security taxes. Typically, monthly SSI payments are lower than monthly SSDI benefits.

  • Healthcare: Medicare goes to SSDI recipients, while Medicaid goes to SSI beneficiaries.


How to apply for disability in Maryland

There are three ways to apply for Social Security disability benefits in Maryland, including:

  1. Online. Visit SSA.gov, click “Create Account,” and verify your identity. Before completing the application online, you can download the application and fill it out so you re familiar with the questions.

  2. Over the phone. You can call the SSA national number at 1-800-772-1213 or contact an SSA office near you. 

  3. In person. An agent at your nearest SSA office can help you complete your application. However, the agent is not allowed to provide legal advice. For more support, call Atticus to connect with a disability lawyer who can navigate you every step of the way.

Keep in mind, it’s common to have your application rejected the first time you apply. Although some people are accepted right away, nearly 70% of applicants are denied and must file for reconsideration. Reconsiderations are often denied as well — about 91% of the time — requiring you to request a hearing with an administrative law judge.

At a hearing, about 50% of people win benefits — and your odds increase threefold if you work with a disability lawyer. We wrote at length about what to expect at a hearing and your chances of winning your appeal


3 disability application tips

When you’re applying for disability benefits, the goal is to give honest, concise, and consistent answers across all your application forms. Consider these top three disability application tips from our disability lawyers:

  1. Keep your answers honest and concise. Don’t volunteer extra information about your life, your disability, or your work unless it’s genuinely necessary for the SSA to understand your answer. The SSA is only concerned with your eligibility according to its rules. 

  2. Keep your answers consistent. Avoid contradicting yourself throughout the application package, including across the forms you submit. The SSA will potentially view conflicting answers as reasons to reject your application. As an example, saying that your arthritis restricts your range of motion but then later mentioning that you can cook or dress yourself without any issues will raise a red flag for the SSA.

  3. Be detailed, but don’t exaggerate. Don’t include anything on your application that isn’t true. Also, be mindful of what could sound like an exaggeration to someone else. The person reading your application won’t be as familiar with your condition as you are. 

Read more of our tips for filling out your disability application.


SSA offices in Maryland

The SSA recommends calling its national number or checking its website for up-to-date information. However, if you’d like to speak to someone in person, you can visit one of the 23 field offices in Maryland.

Abingdon

Corporate Center Dr 3435A Box Hill

Abingdon, MD 21009

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (877) 701-2142

Fax Number: (833) 371-0602

Annapolis

185 Harry S Truman Parkway Ste 114

Annapolis, MD 21401

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (888) 840-0684

Fax Number: (833) 597-0151

Baltimore

1531 S Edgewood St Ste S

Baltimore, MD 21227

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (877) 870-6381

Fax Number: (833) 371-0600

Baltimore

2401 Belair Rd Ste 106

Baltimore, MD 21213

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 336-9653

Fax Number: (833) 341-2708

Baltimore

5235 King Ave Ste 312

Baltimore, MD 21237

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 348-5818

Fax Number: (833) 461-0032

Baltimore

6100A Wabash Ave Baltimore Wabash

Baltimore, MD 21215

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 708-3210

Fax Number: (833) 597-0138

Baltimore

Suite 200 1010 Park Ave

Baltimore, MD 21201

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 931-9942

Fax Number: (833) 597-0140

Cambridge

828A Airpax Rd Ste 500 

Cambridge, MD 21613

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (888) 347-9277

Fax Number: (833) 371-0604

See all SSA offices in Maryland


Do I need a disability lawyer to apply?

The SSA does not require applicants to hire representation, but working with a disability lawyer can be a good idea. They can help you with every step of the application process, from completing your paperwork to navigating the appeals process. A Social Security lawyer disability lawyer can help you:

  • Fill out the disability application.

  • Gather medical records.

  • File for an appeal.

  • Prepare you for a disability hearing in front of an administrative law judge.

  • Represent you at a disability hearing.

Find a top disability lawyer in Maryland.

Can I work while on disability in Maryland?

Working while you’re applying for or currently receiving disability benefits is risky. Working too often or making too much money can indicate to the government that you no longer need benefits. As far as the SSA is concerned, disability benefits are reserved for those who have a medical condition that prevents them from working. 

However, working part-time might be an option, so long as you provide the right information to the SSA. Depending on which disability benefits program you qualify for (or hope to qualify for), the rules can vary drastically. Click the link to learn more about the work limitations for SSI and SSDI so you know what to expect.


Get help with your disability application

If you’re applying for disability benefits in Maryland, Atticus can help. After you take our two-minute quiz, a member of our team can offer personalized advice about your disability claim — and connect you with a lawyer if you’d like. 

There are no upfront costs to working with Atticus. You only pay your lawyer if they help you win disability benefits, and the one-time lawyer fee is capped at 25% of your back pay.

Frequently asked questions about benefits in Maryland

How do I qualify for disability in Maryland?

To qualify for disability you need to have a condition that prevents you from working for at least a year. You’ll also need to meet certain work history requirements (for SSDI) or be within certain income limits (for SSI). For more on these requirements, read our full write up here.

What conditions qualify for disability in Maryland?

Any condition that will prevent you from working for a year or more can qualify for disability benefits. Some of the most common conditions include musculoskeletal disorders, mental disorders, nervous system diseases, and circulatory system diseases. See our full list of conditions that qualify here.

How long does it take to get approved for disability in Maryland?

It takes an average of 6.1 months to get an initial disability decision in Maryland. Most people who apply are initially rejected, and need to appeal this decision. If you appeal and go to a hearing, the process takes around two years on average. Read more: How Long It Takes to Get Approved for Disability Benefits

How much does disability pay in Maryland?

The average SSDI payment in Maryland is $1,413.31 per month. The average SSI payment is $651.63 per month. What you’ll earn is dependent on your income, or the amount you’ve historically paid into the Social Security program. Read more on what amount you can expect.

How should I prepare my disability application in Maryland?

Answer the application questions truthfully, consistently, and succinctly. You should also ensure that you gather and submit all your medical records with your application. The SSA paperwork can be complicated, so our legal team has written a full guide to the application here.

Does Maryland have a state disability program?

No, Maryland doesn't have a state disability program. Only five states (California, Hawaii, New Jersey, New York, and Rhode Island) have a state program. Residents of Maryland can apply for federal disability programs (SSDI and SSI). Read more about SSDI and SSI here.


Related resources for disability applicants in Maryland

Maryland Disability Benefits: How to Qualify, Apply, and Get Approved

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By Jackie Jakab

Disability lawyers in Maryland

A hand drawn image of the lead disability lawyer.
By Jackie Jakab

See what you qualify for

How long has your condition made it hard to work?

Jackie Jakab, Disability Attorney

Jackie Jakab

Lead Attorney

Jackie Jakab is Atticus’s Legal Director. She’s a licensed attorney, a graduate of the University of Chicago Law School, and has counseled thousands of people seeking disability benefits.
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