Steps on how to get Disability in Tennessee

Step 1: Determine Which Disability Program You Qualify For

The Social Security Administration (SSA) offers two main types of disability benefits:

• SSDI (Social Security Disability Insurance): If you have worked in the past and paid into the Social Security system, you may qualify for SSDI. You need to have earned enough work credits to qualify. Generally, you need at least 40 credits, with 20 earned in the last 10 years.
• SSI (Supplemental Security Income): If you have limited income and resources and have not worked enough to qualify for SSDI, you may be eligible for SSI. SSI benefits are available to low-income individuals who are disabled, blind, or aged (65+).

Step 2: Understand the Eligibility Requirements

Before applying for disability benefits in Tennessee, it's important to understand the eligibility criteria for both SSDI and SSI:

• Disability Definition: To qualify for either program, your disability must be severe enough to prevent you from working for at least 12 months or be expected to result in death.
• Work History (SSDI): If you are applying for SSDI, you need to have worked and paid Social Security taxes for a specific number of years, depending on your age.
• Income and Resource Limits (SSI): If you are applying for SSI, you need to meet income and resource limits. The SSA considers your income (including wages, benefits, and other sources) and resources (such as savings, property, etc.).

Step 3: Gather Your Medical Evidence

The most important part of your disability claim is your medical evidence. The SSA needs to see detailed documentation of your condition to determine if it meets the SSA’s criteria for disability. Here’s how to get your medical evidence in order:

• Medical Records: Collect all your medical records, including doctor’s notes, hospital records, test results, and treatment history. Be sure your medical records are complete and up-to-date.
• Doctor’s Opinion: A statement from your doctor explaining your condition and how it prevents you from working can strengthen your case. It’s helpful if the doctor provides details about your limitations and functional impairments.
• Specialists: If you see specialists for your condition, be sure to include their reports as well.

Step 4: Complete Your Application

The next step is to apply for disability benefits through the Social Security Administration (SSA). You can apply online, by phone, or in person at your local Social Security office. Here’s what you need to do:

• Apply Online: The easiest way to apply is through the SSA's online portal at www.ssa.gov. Make sure you provide complete and accurate information about your work history, medical condition, and income.
• Apply by Phone or In-Person: If you prefer to apply by phone or in-person, you can call the SSA at 1-800-772-1213 to schedule an appointment or visit your local office in Tennessee.
• Submit Required Documents: You’ll need to submit documents such as your birth certificate, proof of U.S. citizenship, medical records, and information about your work history and income.

Step 5: Understand the SSA’s Five-Step Disability Process

The SSA uses a five-step process to determine whether you qualify for disability benefits:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning above a certain threshold, the SSA may determine that you are not disabled.
• Step 2: Severe Condition: Your condition must be severe enough to limit your ability to perform basic work tasks.
• Step 3: Listed Impairments: If your condition is on the SSA’s Listing of Impairments, you may automatically qualify for disability benefits.
• Step 4: Past Work: The SSA will evaluate whether you can still do your previous job.
• Step 5: Other Work: If you cannot do your past work, the SSA will determine whether you can perform other types of work based on your skills, education, and age.

Step 6: Stay Organized and Follow Up

Once you’ve submitted your application, it’s essential to stay organized and monitor your case:

• Track Your Application: You can create an online account with the SSA to track the status of your application and see if any additional information is needed.
• Respond Promptly: If the SSA requests additional information or documents, be sure to respond quickly to avoid delays in processing your claim.

Step 7: Be Prepared for a Denial

It’s common for disability claims to be denied initially, even if you meet all the eligibility requirements. If your claim is denied, don’t get discouraged—you can appeal the decision.

• Reconsideration: If your initial claim is denied, the first step is to request a reconsideration, where your case will be reviewed by someone who was not involved in the original decision.
• Hearing Before an Administrative Law Judge (ALJ): If your reconsideration is denied, you can request a hearing before an ALJ. This is where you can present your case in person.