Types of Disability Benefits Available in Tennessee

Social Security Disability Insurance (SSDI)

SSDI is a federal benefit program managed by the Social Security Administration (SSA). It provides monthly payments to individuals who have a work history and have paid Social Security taxes.

• Eligibility Requirements: You must have enough work credits and a qualifying medical disability that prevents you from working for at least 12 months or is expected to result in death.
• Benefit Amount: Based on your average lifetime earnings before your disability began.

Supplemental Security Income (SSI)

SSI is also administered by the SSA but is designed for people with limited income and resources, regardless of work history.

• Eligibility Requirements: You must meet strict financial need criteria and have a qualifying disability.
• Benefit Amount: Based on federal and state guidelines; Tennessee supplements the federal SSI payment with a small additional amount in some cases.

Tennessee State Disability Programs and Assistance

While Tennessee does not have its own state disability insurance program, residents may be eligible for additional assistance programs, including:

• TennCare (Medicaid): Provides health coverage for those who qualify for SSI or meet TennCare’s medical and financial requirements.
• Vocational Rehabilitation Services: Helps individuals with disabilities prepare for, obtain, and maintain employment.
• Temporary Assistance Programs: Such as SNAP (food assistance) and housing programs for those experiencing financial hardship due to disability.

How to Apply for Disability Benefits in Tennessee

• Apply Online: Visit www.ssa.gov to apply for SSDI and SSI.
• Apply by Phone: Call the SSA at 1-800-772-1213.
• Visit Your Local SSA Office: Use the SSA Office Locator to find the nearest office in Tennessee.

Be prepared to provide detailed medical records, work history, and financial information when applying.

What to Do If Your Claim Is Denied

It’s common for initial disability applications to be denied. In Tennessee, if your claim is denied:

• Request Reconsideration: This is the first step in the appeals process.
• Request a Hearing: If reconsideration is also denied, you can request a hearing before an Administrative Law Judge (ALJ).
• Provide Additional Evidence: Submitting new or updated medical records can strengthen your case during the appeals process.