What is SSDI and SSI?

Before starting your application, it’s important to understand the two main disability programs offered by the Social Security Administration (SSA):

• SSDI: This program provides benefits to individuals who have worked and paid into Social Security for a certain number of years and are now unable to work due to a disability.
• SSI: This program is based on financial need and provides benefits to individuals with disabilities who have limited income and resources. SSI is available regardless of whether you have worked.

Eligibility Requirements for Disability Benefits in Tennessee

To qualify for disability benefits, you must meet certain eligibility criteria for SSDI or SSI. While the criteria are similar for both programs, there are a few differences:

SSDI:

• You must have worked and paid Social Security taxes for a specific number of years.
• Your disability must be severe enough to prevent you from working for at least 12 months or be expected to result in death.

SSI:

• You must have limited income and resources.
• You must have a qualifying disability that limits your ability to work.
• No work history is required for SSI.

Steps to Apply for Disability in Tennessee

Step 1: Gather Necessary Information and Documents

Before starting your application, make sure you have all the required information and documentation:

• Personal Information: Full name, date of birth, Social Security number, and contact information.
• Medical Records: Details about your disability, including medical records, doctor visits, lab results, treatments, medications, and contact information for healthcare providers.
• Work History: Information about your previous employment, including dates of employment and job responsibilities.
• Financial Information (for SSI applicants): Documentation of income, resources, and assets.

Step 2: Apply Online or by Phone

The most convenient way to apply for disability benefits is online through the Social Security Administration’s website.

• Apply Online: Go to the SSA website at www.ssa.gov and click on “Apply for Disability.” This option allows you to start your application at your own pace.
• Apply by Phone: If you prefer to apply by phone, call the SSA at 1-800-772-1213. You can speak with a representative who will guide you through the application process.
• Apply In Person: You can also visit your local Social Security office to apply in person. Use the SSA office locator tool to find the nearest office in Tennessee.

Step 3: Complete the Disability Report

As part of your application, you’ll need to complete a Disability Report. This is a detailed questionnaire about your disability, treatment history, work history, and how your condition affects your daily life. Be sure to answer all questions as accurately as possible.

Step 4: Submit the Application

Once you’ve completed your application and the disability report, submit the application to the SSA. Ensure that all documents, such as medical records and work history, are included in the application. Missing documents can cause delays.

Step 5: Wait for a Decision

After you submit your application, the SSA will review your claim to determine if you qualify for benefits. This process may take several months. You can track the status of your application online by creating a My Social Security account.

• Request Additional Information: The SSA may ask for additional information or clarification during the review process. Be sure to respond promptly to avoid delays.

Step 6: Be Prepared for a Denial

It’s common for disability claims to be denied at first, even if you meet the eligibility requirements. If your claim is denied, you have the right to appeal the decision. Here’s how:

• Request Reconsideration: This is the first step in the appeals process. The SSA will review your claim again and consider any additional evidence you provide.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). At this hearing, you can present your case and medical evidence in person.
• Appeals Council: If the ALJ denies your case, you can request a review from the SSA’s Appeals Council.
• Federal Court: If all other appeals are denied, you can take your case to federal court.

Step 7: Stay in Contact with the SSA

Keep track of your application’s status and respond promptly to any requests for additional information. You can contact the SSA at 1-800-772-1213 or check your application status online.