Step 1: Determine Which Program You Qualify For: SSDI vs. SSI

Before applying, it's important to understand which program you may be eligible for:

• SSDI (Social Security Disability Insurance): This program is for individuals who have worked and paid into the Social Security system for a sufficient number of years. You’ll need to meet certain work credit requirements based on your age at the time of your disability.
• SSI (Supplemental Security Income): SSI is a needs-based program for individuals who have limited income and resources. It’s available to people with disabilities, even if they haven’t worked or paid into Social Security.

Step 2: Gather Your Medical and Personal Documentation

To support your application, you’ll need to gather the following information:

• Medical Records: You’ll need to provide complete medical documentation showing that your condition is severe enough to prevent you from working. This includes doctor's notes, test results, hospital records, and any treatment history related to your disability.
• Work History: If you’re applying for SSDI, you’ll need to provide details of your work history, including the types of jobs you’ve had and how long you’ve worked.
• Personal Information: Be prepared to provide your Social Security number, birth certificate, and information about your bank account for direct deposit.

Step 3: Complete the Application for Social Security Disability

There are three main ways to apply for Social Security Disability benefits in North Carolina:

• Online: The easiest and quickest way to apply is through the Social Security Administration’s (SSA) online application portal. You can apply directly from the SSA’s website: www.ssa.gov.
• In Person: You can visit your local Social Security office in North Carolina to apply in person. Use the SSA’s office locator tool to find the nearest office.
• By Phone: You can also apply by calling the SSA’s toll-free number at 1-800-772-1213 to schedule a phone appointment with a representative.

Regardless of how you apply, make sure to provide complete and accurate information to avoid delays or denials.

Step 4: Understand the SSA’s Disability Evaluation Process

Once you’ve submitted your application, the SSA will evaluate your claim using a five-step process. Here’s an overview of how they assess your eligibility:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning above a certain income level, the SSA may determine that you are not disabled.
• Step 2: Severity of Condition: Your condition must be severe enough to limit your ability to perform basic work tasks, such as walking, standing, lifting, and concentrating.
• Step 3: Meet a Listed Impairment: If your condition is on the SSA’s List of Impairments (a list of severe medical conditions), you may automatically be considered disabled. If your condition isn’t listed, you may still qualify if it’s equally disabling.
• Step 4: Past Work: The SSA will determine if you are able to do any of your past work based on your disability. If you cannot perform your previous job, they will proceed to the next step.
• Step 5: Other Work: Finally, the SSA will assess whether you can perform any other type of work based on your age, education, and skills. If you cannot do any other type of work, the SSA may determine that you qualify for disability benefits.

Step 5: Wait for the Decision

After you submit your application, the SSA will review your case and make a decision. This process can take several months, so it’s important to be patient. During this time, the SSA may request additional information or clarification, so be prepared to respond quickly.

Step 6: What to Do if Your Claim is Denied

It’s common for Social Security Disability claims to be denied initially. If your claim is denied, you have the right to appeal the decision. The appeals process includes the following steps:

• Request Reconsideration: If your claim is denied, you can request that the SSA review your case again. This is your first opportunity to appeal the decision.
• Request a Hearing Before an Administrative Law Judge (ALJ): If reconsideration is denied, you can request a hearing before an ALJ. This is an important opportunity to present your case in person and provide additional medical evidence.
• Appeal to the Appeals Council: If the ALJ denies your claim, you can appeal to the SSA’s Appeals Council.
• Federal Court: If your claim is denied at the Appeals Council level, your last option is to file a lawsuit in federal court.

Step 7: Consider Legal Assistance or an Advocate

While hiring an attorney is not mandatory, it can be highly beneficial, especially if your case is complex or you’re going through the appeals process. A disability attorney can help you:

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• Ensure that your application is complete and accurate.
• Help gather medical records and evidence.
• Represent you in hearings or appeals.
• Guide you through the entire process, making sure you meet all deadlines.