Step 1: Understand SSDI Eligibility Requirements

Before applying, make sure you meet the basic eligibility criteria:

• You must have a medical condition that prevents you from working and is expected to last at least 12 months or result in death.
• You must have earned enough work credits through previous employment covered by Social Security. Typically, this means working at least 5 of the last 10 years.

The Social Security Administration (SSA) uses a five-step process to evaluate your eligibility, including determining if your condition appears on the SSA’s Listing of Impairments and if you are capable of performing any kind of work.

Step 2: Gather Necessary Information and Documents

To improve your chances of approval, prepare the following:

• A complete medical history with doctors’ names, addresses, and dates of treatment
• Hospital records, lab results, and imaging reports
• Detailed work history for the past 15 years
• Proof of income, assets, and any other disability-related benefits
• Your Social Security Number, birth certificate, and any dependent information

Step 3: Submit Your SSDI Application

North Carolina residents can file for SSDI in three main ways:

1. Online at SSA.gov

The fastest and most convenient method. You can complete the full application at your own pace.

2. By Phone

Call the SSA at 1-800-772-1213 to file over the phone or schedule an appointment.

3. In Person

Visit your local North Carolina Social Security office. Be sure to bring all necessary documents with you.

Step 4: Cooperate with the Disability Determination Services (DDS)

Once your application is submitted, the North Carolina DDS—a state agency that works with the SSA—will review your medical evidence. They may:

• Contact your medical providers
• Ask you to attend a Consultative Exam (CE)
• Request additional documentation

Step 5: Track Your Application Status

After filing, you can track your status by:

• Creating a “my Social Security” account at ssa.gov
• Calling the SSA for updates
• Keeping records of all correspondence and deadlines

What If You're Denied?

If your initial application is denied (as many are), you have the right to appeal. You must request reconsideration within 60 days of receiving your denial letter. The appeals process includes reconsideration, a hearing before an Administrative Law Judge (ALJ), and potentially further reviews.