Disability Benefit Programs in Tennessee

In Tennessee, you may qualify for one or both of these federal programs:

• Social Security Disability Insurance (SSDI): For individuals who have worked and paid Social Security taxes.
• Supplemental Security Income (SSI): For individuals with limited income and resources, regardless of work history.

Both programs require you to meet the SSA’s strict definition of disability.

Eligibility Requirements for Disability in Tennessee

1. Medical Disability Criteria

• Your condition must be severe enough to prevent you from performing substantial gainful activity (SGA).
• The disability must last, or be expected to last, at least 12 months or result in death.
• The SSA’s Listing of Impairments (Blue Book) outlines specific medical conditions that automatically qualify. If your condition isn’t listed, you must prove it severely limits your ability to work.

2. Work History for SSDI Applicants

• You must have earned sufficient work credits, typically 40 credits, with 20 earned in the last 10 years. Younger applicants may qualify with fewer credits.

3. Financial Need for SSI Applicants

• SSI eligibility is based on income and resource limits. The SSA reviews your financial situation, including assets and household income.

The Disability Determination Process in Tennessee

Tennessee’s Disability Determination Services (DDS) will evaluate your claim using a five-step process:

1. Are you working? If you earn above the SGA limit, your claim may be denied.
2. Is your condition severe? The SSA reviews how your condition limits basic work activities.
3. Does your condition meet a listed impairment? Meeting a Blue Book listing can lead to automatic approval.
4. Can you do your past work? If you can perform previous jobs, benefits may be denied.
5. Can you do other work? The SSA considers your age, education, and work experience to decide if you can adjust to other types of work.

How to Improve Your Chances of Qualifying

• Gather Strong Medical Evidence: Detailed medical records, test results, and doctor statements are crucial.
• Follow Your Treatment Plan: Compliance with prescribed treatments demonstrates the severity of your condition.
• Be Honest and Thorough: Provide complete information about your condition, symptoms, and work limitations.
• Track Your Application: Use the SSA’s online portal to monitor your claim and respond to any requests.