How to Apply for SSDI 

Applying for Social Security Disability Insurance (SSDI) can seem complicated, but I'm here to guide you through each step. At Lloyd King Law Firm PLLC, I have spent years helping people like you get the benefits you deserve. With over 40 years of commitment and experience, my dedication shines through in every client interaction.

SSDI is a federal program that provides financial support to people who cannot work due to a disability. To qualify for SSDI benefits, you must have worked and paid into Social Security through taxes.  

In addition, your medical condition must meet the Social Security Administration's (SSA) definition of disability. It must prevent you from performing any substantial gainful activity (SGA) for at least 12 months. SSDI benefits are not based on financial need but rather on your work history and the nature of your disability. 

Step-by-Step Guide to Applying for SSDI

Here are the steps you need to follow to successfully apply for SSDI benefits: 

1. Determine Your Eligibility 

The first step in applying for SSDI is determining if you meet the eligibility criteria. Here are the key factors: 

• Work credits: You should have earned 40 work credits, 20 of which were earned in the last 10 years. 

• Medical condition: Your condition must be severe enough to prevent you from engaging in substantial gainful activity (SGA) and must be expected to last at least 12 months or result in death. 

• Age: Although there is no specific age requirement for SSDI, younger individuals generally need fewer work credits to qualify.  

• Recent work history: You should have worked around five out of the last ten years, but this can vary based on your age. 

2. Gather Documentation 

Having all your documents in order before you apply will save you time. Here's what you will need: 

• Medical records: Detailed records from your healthcare providers about your condition, treatments, and how it affects your ability to work. 

• Employment history: Your work history for the past 15 years, including job titles and duties. 

• Personal information: Social Security number, birth certificate, and information about your dependents. 

• Proof of income: Recent pay stubs, W-2 forms, tax returns, and any other documentation that verifies your earnings history. 

• Medications: A list of medications you are currently taking, including dosages, prescribing doctors, and any side effects to demonstrate how your treatment affects your ability to work.

3. Start Your Application 

You can apply for SSDI online, by phone, or in person at your local Social Security office. Online applications are often the most convenient method. Here's how to get started: 

• Online: Visit the SSA's official website and create an account. Follow the instructions to complete your application. 

• By phone: Call the SSA and ask to schedule a phone appointment. 

• In person: Visit your nearest Social Security office to apply in person. 

4. Complete the Disability Report 

The disability report is a critical part of your application. This report provides detailed information about your condition, treatments, and how it limits your daily activities. Be thorough and honest in your descriptions. 

5. Wait for the SSA's Decision 

After submitting your application, the SSA will review your case. This process can take several months. During this time, they may request additional information or ask you to attend a consultative examination. 

6. Respond to Requests Promptly 

If the SSA requests additional information or schedules a consultative examination, respond promptly. Failing to do so can delay your application or even result in a denial. 

7. If Denied, Consider an Appeal 

Don't be discouraged if your initial application is denied. You have the right to appeal against the decision. Here's how to file an appeal: 

• Reconsideration: Request a reconsideration of your application. 

• Hearing: If reconsideration is denied, request a hearing before an administrative law judge. 

• Appeals council: If the judge denies your claim, you can request a review by the SSA's Appeals Council. 

• Federal court: If all else fails, you can file a lawsuit in federal court. 

SSDI Laws in North Carolina

These North Carolina laws and regulations can impact your SSDI claim.  

State Disability Determination Services (DDS) 

The DDS is responsible for making the initial disability determinations in North Carolina. They will review your medical records and may consult with your healthcare providers. 

Medicaid and SSDI 

If you are approved for SSDI in North Carolina, you may also qualify for Medicaid. This can provide additional healthcare coverage while you wait for Medicare eligibility. 

Local resources 

North Carolina offers various resources to assist individuals applying for SSDI. Local Social Security offices, legal aid organizations, and disability advocacy groups can provide support and guidance.