Step 1: Understand the Eligibility Requirements

Before applying for disability benefits in NC, it’s important to ensure you meet the eligibility criteria. The two main programs are SSDI (Social Security Disability Insurance) and SSI (Supplemental Security Income), and they have different requirements:

• SSDI: This program is for people who have worked and paid into Social Security for a certain number of years. The number of years required depends on your age and when you became disabled.
• SSI: SSI is a needs-based program for individuals with low income and limited resources. It’s available regardless of your work history, but you must meet the financial eligibility requirements.

For both programs, you must prove that you have a disability that prevents you from working for at least 12 months  or is expected to result in death.

Step 2: Gather the Necessary Documentation

One of the most important parts of your application is providing solid documentation. You’ll need to submit the following:

• Proof of Identity: A birth certificate, Social Security card, or another government-issued ID.
• Medical Records: Detailed documentation from your doctors about your condition, including notes, test results, diagnoses, and treatments. Make sure your records clearly show how your condition prevents you from working.
• Work History: Information about your employment and earnings, particularly for SSDI applicants.
• Income Information: For SSI applicants, provide information about your income and resources, including bank statements and pay stubs.

Having all your documents ready will help streamline the application process.

Step 3: Apply for Disability Benefits

There are several ways to apply for disability benefits in North Carolina:

• Apply Online: The easiest way to apply is through the SSA’s online portal at www.ssa.gov. Follow the prompts and fill out the necessary forms accurately.
• Apply by Phone: You can also apply over the phone by calling the Social Security Administration (SSA) at 1-800-772-1213. An SSA representative will assist you with your application.
• Apply In-Person: If you prefer, you can visit your local SSA office in North Carolina. You can find your nearest office by visiting the SSA website or calling the SSA.

Step 4: Complete the Disability Report

In addition to your application, you’ll need to complete a Disability Report. This is a detailed questionnaire about:

• Your condition: Describe your medical condition(s), how long you’ve had them, and how they affect your ability to work.
• Treatment history: List the doctors, hospitals, or clinics you’ve visited, along with any treatments or medications you’ve received.
• Work history: Provide information about your most recent jobs, including your job title, duties, and the amount of time you worked in each role.

This report helps the SSA understand how your disability impacts your ability to work.

Step 5: Wait for a Decision

Once your application is submitted, the SSA will review your case. This process can take several months. The SSA will gather medical evidence, verify your work history, and assess your eligibility. You will receive a written decision on your case, which could be one of the following:

• Approval: If your claim is approved, you will begin receiving disability benefits.
• Denial: If your application is denied, don’t be discouraged. You can appeal the decision. Many claims are denied at first, but with the right appeal strategy, you may still get approved.

Step 6: Be Prepared for a Denial (If Applicable)

It’s common for disability claims to be denied at the initial stage. If this happens to you, don’t give up. You have the right to appeal the denial. The appeals process includes:

• Request for Reconsideration: You can request that the SSA review your case again.
• Hearing: If your reconsideration is denied, you can request a hearing with an Administrative Law Judge (ALJ).
• Appeals Council: If the ALJ denies your claim, you can request a review by the Appeals Council.
• Federal Court: As a last resort, you can file a lawsuit in federal court if the Appeals Council denies your claim.

Having an attorney or advocate to assist you through the appeals process can improve your chances of success.

Step 7: Consider Getting Help from a Disability Lawyer

While it’s possible to apply on your own, a disability lawyer can significantly improve your chances of success, especially if your case is denied. A lawyer can help you:

• Complete your application: Ensure all the required information is included and accurate.
• Gather medical evidence: Assist you in obtaining the medical documentation you need to prove your disability.
• Navigate the appeals process: If your case is denied, a lawyer can represent you at your hearing and help you build a stronger case.