Understand SSDI Eligibility Requirements

Before applying, make sure you meet the eligibility requirements for SSDI. Unlike Supplemental Security Income (SSI), SSDI is based on your work history and the number of work credits you've earned over your lifetime.

To qualify for SSDI, you need:

• Work Credits: Generally, you need 40 work credits, 20 of which must have been earned in the last 10 years, ending in the year you become disabled.
• Disability Criteria: Your disability must prevent you from working and be expected to last at least 12 months or result in death. The condition must meet the SSA’s definition of disability, which means it must be severe enough to stop you from performing any substantial gainful activity (SGA).

Gather the Required Documents

Before applying for SSDI, gather all the documents you'll need to complete your application. Here’s a list of the key documents to prepare:

• Personal Information: Your Social Security number, date of birth, and names and dates of birth of your spouse and children.
• Work History: Detailed information about your previous jobs, including dates of employment, the type of work you performed, and your earnings.
• Medical Records: Documentation from your doctor, hospital records, and treatment plans that demonstrate your disability and how it impacts your ability to work.
• Income and Tax Documents: Proof of your income, such as pay stubs, tax returns, and Social Security benefits.
• Proof of U.S. Citizenship or Legal Residency: A copy of your birth certificate or legal residency papers if you're not a U.S. citizen.

Apply for SSDI

Once you’ve gathered your documents, you can start the application process. There are three ways to apply for SSDI in Tennessee:

• Online Application:
• The most convenient way to apply is through the SSA’s online application portal at www.ssa.gov. This allows you to apply at any time and track the status of your application.
• The online process will ask you questions about your medical condition, work history, and other necessary details. Make sure to answer honestly and thoroughly.
• Phone Application:
• You can apply by calling the SSA at 1-800-772-1213. An SSA representative will guide you through the application process. If you need assistance, a family member or friend can help you with the call.
• In-Person Application:
• You can apply in person at your local SSA office. To find the nearest office, visit or call the SSA's toll-free number.

Provide Medical Evidence

As part of your SSDI application, you will need to provide medical evidence proving your disability. The SSA will review this evidence to determine whether your condition meets the SSA’s definition of disability.

• Regular Doctor Visits: Keep up with doctor visits, and make sure your treating physician provides detailed records regarding your medical condition, treatments, and functional limitations.
• Detailed Reports: Request a letter from your doctor explaining how your disability affects your ability to perform basic work tasks.
• Specialist Records: If you see specialists, include those records as well to provide a complete medical picture of your condition.

What Happens After You Apply?

Once you submit your application, the SSA will review your case. The process can take several months, but here’s what to expect:

• Initial Review: The SSA will review your application and medical evidence to determine whether you meet the eligibility criteria. Most claims are processed within 3 to 5 months.
• Approval or Denial: If your claim is approved, you will begin receiving SSDI benefits. If your claim is denied, you have the right to appeal the decision.