Eligibility Requirements for SSDI in Tennessee

Before applying for SSDI, it’s essential to ensure you meet the basic eligibility criteria:

• Work History and Credits: To qualify for SSDI, you need to have worked and paid Social Security taxes for a sufficient number of years. The number of credits you need depends on your age:
• In general, you need 40 credits, with 20 of those credits earned in the last 10 years before you became disabled.
• Younger workers may need fewer credits. For example, someone under 31 may need fewer than 40 credits depending on the specific circumstances.
• Disability Requirements:
• Your disability must be severe enough to prevent you from doing substantial gainful activity (SGA).
• The condition must be expected to last at least 12 months or result in death.
• The SSA uses a Listing of Impairments to determine if your condition meets their disability criteria. If your condition is not listed, the SSA will evaluate the combined impact of your impairments to see if you meet their disability standards.
• Substantial Gainful Activity (SGA): To qualify for SSDI, you cannot be earning more than a certain amount each month. As of 2025, the SSA considers anyone earning more than $1,470 per month to be engaged in substantial gainful activity (SGA). If your income exceeds this limit, you may not qualify for SSDI.

How to Apply for SSDI in Tennessee

You can apply for SSDI in Tennessee by following these steps:

• Complete Your Application: You can apply for SSDI benefits in the following ways:
• Online: The SSA’s website (www.ssa.gov) allows you to apply for SSDI benefits online. This is often the fastest way to apply.
• By Phone: You can call the SSA’s toll-free number at 1-800-772-1213 to apply by phone.
• In Person: You can apply in person at your local SSA office. Use the SSA's office locator to find an office near you.
• Provide Medical Evidence: The SSA requires detailed medical evidence to determine the severity of your disability. This may include:
• Medical records from your treating physician(s).
• Test results like MRIs, X-rays, or lab reports.
• Doctor’s statements detailing your condition and how it prevents you from working.
• Other relevant documentation such as hospital records, treatment plans, and medications.
• Submit Your Work History: You will need to provide information about your work history, including jobs you’ve held, job duties, and your earnings during the past 15 years. The SSA uses this information to determine your eligibility based on your work credits.
• Fill Out Required Forms: Be sure to fill out all the necessary forms and questionnaires. This may include forms regarding your disability, medical treatment, and financial status. If you’re not sure what forms are required, the SSA website or local SSA office can guide you.
• Follow Up on Your Application: After you submit your application, you can track its progress. The SSA’s website allows you to check the status of your claim. You may also receive updates or requests for additional information.

What Happens After You Apply for SSDI in Tennessee?

After submitting your application, the SSA will review your case. Here’s what to expect during the process:

• Initial Review: The SSA will first check whether you meet the basic eligibility requirements, including work history and disability criteria. This process typically takes 3 to 5 months.
• Medical Review: Your application will then be sent to a Tennessee state agency for a disability determination. This agency will review your medical evidence to assess the severity of your disability. They may request additional information from your doctors or other medical professionals.
• Decision: The SSA will make a decision on your application. Many SSDI claims are denied at the initial stage, but you have the option to appeal if this happens.

What to Do if Your SSDI Claim is Denied in Tennessee

It’s common for SSDI claims to be denied initially, even when you meet the qualifications. If your claim is denied, you have the right to appeal. The appeals process in Tennessee includes:

• Request Reconsideration: The first step in appealing a denied claim is requesting a reconsideration. This is where the SSA will review your claim again, considering any new evidence you submit. This process typically takes 2 to 4 months.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your chance to present your case in person. The waiting time for a hearing in Tennessee may take 12 to 18 months due to the backlog of cases.
• Provide Additional Evidence: Be sure to provide any new medical records or documents to support your case during the appeals process.