Step 1: Confirm Your Eligibility

Before applying, it’s important to make sure you meet the Social Security Administration (SSA)’s requirements for SSDI. You must:

• Have a medical condition that prevents you from working for at least 12 months or is expected to result in death.
• Have earned enough work credits by paying Social Security taxes through your previous jobs.
• Not be currently engaged in substantial gainful activity (SGA) — meaning you’re not earning above the monthly income limit set by the SSA.

If you don’t have sufficient work history, you might instead qualify for Supplemental Security Income (SSI), which is based on financial need rather than work credits.

Step 2: Gather Your Documentation

A strong SSDI application depends on complete and accurate documentation. Before you apply, collect the following:

• Medical records from all treating doctors, specialists, and hospitals.
• Work history for the past 15 years, including job titles and duties.
• W-2 forms or self-employment tax records.
• Contact information for your healthcare providers.
• A detailed list of medications and treatments you’re currently receiving.

The SSA uses this information to verify your medical condition and assess how it limits your ability to work.

Step 3: File Your SSDI Application

You can file your SSDI claim in North Carolina in one of three ways:

• Online: Apply directly through the SSA website at www.ssa.gov. This is the fastest and most convenient method.
• By phone: Call the SSA at 1-800-772-1213 (TTY: 1-800-325-0778) to apply or schedule an appointment.
• In person: Visit your local Social Security office. There are multiple offices throughout North Carolina, including in Raleigh, Charlotte, Greensboro, and Asheville.

When completing your application, ensure every section is filled out accurately. Incomplete or inconsistent information is one of the leading causes of SSDI denials.

Step 4: Wait for a Decision

After you submit your claim, the SSA will send your case to Disability Determination Services (DDS) in North Carolina. This state agency reviews your medical evidence and decides whether you meet SSA’s disability criteria.

The average processing time for SSDI applications in North Carolina is 3 to 6 months, though it can vary depending on case complexity and workload.

You can check your claim’s progress by creating a “my Social Security” account on the SSA website, which allows you to track updates online.

Step 5: If Denied, File an Appeal

If your claim is denied — which happens to many first-time applicants — don’t give up. You have 60 days from the date of your denial letter to file an appeal.

The appeal process includes several stages:

1. Reconsideration: A new SSA examiner reviews your claim.
2. Hearing: If denied again, you can request a hearing before an Administrative Law Judge (ALJ).
3. Appeals Council and Federal Court: If necessary, your case can go through further review.

Being persistent and supplying additional medical evidence during the appeal can greatly improve your chances of approval.