Understanding Disability Programs in North Carolina

• Social Security Disability Insurance (SSDI):
  SSDI benefits are available to individuals who have a qualifying work history and have paid into the Social Security system through payroll taxes. To qualify, you must have a sufficient number of work credits and meet the Social Security Administration's (SSA) definition of disability.
• Supplemental Security Income (SSI):
  SSI is a needs-based program designed for individuals with limited income and resources, regardless of their work history. To qualify, you must meet the SSA’s disability criteria and fall within specific financial limits.

Both SSDI and SSI require proof that your condition prevents you from engaging in substantial gainful activity (SGA) and is expected to last at least 12 months or result in death.

Eligibility Requirements in North Carolina

To determine eligibility, the SSA follows a five-step process:

• Step 1: Are You Working?
  If you are currently working and earning more than the SGA limit, your application may be denied at this step.
• Step 2: Is Your Condition Severe?
  Your condition must significantly limit your ability to perform basic work activities for at least 12 continuous months.
• Step 3: Does Your Condition Meet or Equal a Listed Impairment?
  The SSA has a Listing of Impairments. If your condition matches or equals one of these listings, you are generally considered disabled.
• Step 4: Can You Perform Past Work?
  If your condition prevents you from performing any of your past work, the SSA will proceed to the next step.
• Step 5: Can You Perform Other Work?
  The SSA will evaluate if you can adjust to other types of work, considering your age, education, work experience, and residual functional capacity (RFC).

Gathering Proper Documentation

The key to proving your disability is thorough documentation. Be sure to:

• Maintain Regular Medical Visits: Frequent and consistent medical treatment provides clear evidence of your disability.
• Collect Comprehensive Medical Records: This includes doctors' notes, test results, hospital visits, specialist reports, and treatment plans.
• Obtain Detailed Doctor’s Statements: Your physician should explain, in detail, how your condition limits your ability to work.
• Include Specialist Opinions: If you see any specialists, include their reports as well to strengthen your claim.

Filing for Disability in North Carolina

You can apply for disability benefits in North Carolina by:

• Applying Online: Visit www.ssa.gov to complete your application online.
• Applying by Phone: Call the SSA at 1-800-772-1213.
• Visiting a Local SSA Office: Locate your nearest office for in-person assistance.

Regardless of the method, be thorough and accurate with your application to avoid unnecessary delays.

Following Up on Your Application

After submission, you can track your application status:

• Create an Online SSA Account: This will allow you to monitor your case and upload any additional documents.
• Respond Promptly to SSA Requests: Timely responses help prevent delays in processing your application.
• Contact the Disability Determination Services (DDS) in North Carolina: DDS makes the initial decision on your claim based on medical evidence and SSA guidelines.

Be Prepared for Possible Denials

Many initial applications are denied. If this happens:

• Request Reconsideration: Ask for a review of your application.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ).
• Submit New Evidence: Strengthen your case with updated medical records and additional documentation.