Steps to Qualify for Disability Benefits in South Carolina

Step 1: Understand the Eligibility Requirements for SSDI and SSI

There are two main types of disability benefits available through the SSA: SSDI and SSI. To qualify for either, you must meet certain criteria:

• SSDI (Social Security Disability Insurance): You need to have worked in jobs where you paid Social Security taxes for a sufficient number of years. The SSA uses a system of "work credits" to determine if you have enough work history to qualify.
• SSI (Supplemental Security Income): SSI is a need-based program, and you do not need work credits to qualify. Instead, it is available to individuals who are disabled and have limited income and resources.

In both cases, the SSA requires that your disability prevents you from working and is expected to last at least 12 months or result in death.

Step 2: Gather Necessary Medical Documentation

Your medical records are a key component of your disability claim. The SSA will evaluate whether your condition meets their criteria for disability.

Here’s what you need to do:

• Obtain Medical Records: Ensure that your medical records are complete and up-to-date, including doctor’s notes, test results, hospital records, and any specialist reports.
• Get Opinions from Your Doctors: A letter from your treating physician detailing how your disability affects your ability to perform daily activities and work can significantly strengthen your claim.
• Include All Relevant Specialists: If you’re receiving care from specialists, include their reports to demonstrate a comprehensive approach to your treatment.

Step 3: Complete the Application for Disability Benefits

You can apply for disability benefits through the SSA’s online portal at www.ssa.gov, by phone, or in person at your local SSA office in South Carolina.

To complete the application:

• Provide Accurate and Honest Information: Be thorough and honest when filling out the application, especially regarding your medical condition, work history, and financial situation.
• Submit All Required Documents: Make sure you submit all necessary documentation, such as medical records, work history, and income details, to avoid delays or potential denials.

Step 4: Understand the SSA’s Five-Step Evaluation Process

The SSA uses a five-step process to determine whether you qualify for disability benefits. Understanding how the SSA evaluates your case is crucial:

• Step 1: Substantial Gainful Activity (SGA): If you are working and earning above a certain threshold, the SSA may determine that you are not disabled.
• Step 2: Severe Condition: Your condition must be severe enough to limit your ability to perform basic work tasks.
• Step 3: Meet a Listed Impairment: If your condition is on the SSA’s List of Impairments and meets the necessary criteria, you will be presumed disabled.
• Step 4: Past Work: The SSA will determine if you can still perform your previous work.
• Step 5: Other Work: If you cannot do your past work, the SSA will evaluate whether you can do other work based on your skills, age, and education.

Step 5: Submit Your Application and Follow Up

Once you’ve submitted your application, it’s important to stay organized and follow up on your claim.

To keep track of your application:

• Create an SSA Online Account: This allows you to monitor your claim's status and respond quickly to requests for additional information.
• Call the SSA: If you have any questions or haven’t received updates, you can contact the SSA at 1-800-772-1213.

Step 6: Be Prepared for a Possible Denial

It’s common for disability claims to be denied initially, but don’t lose hope. You have the right to appeal the decision.

If your claim is denied, follow these steps:

• Request Reconsideration: If your initial application is denied, you can request that the SSA review your claim again.
• Request a Hearing: If reconsideration doesn’t result in approval, you can request a hearing with an Administrative Law Judge (ALJ).
• Submit Additional Evidence: If you have new medical records or evidence, include them during the appeals process to strengthen your case.

Step 7: Consider Consulting with an Attorney

While it is possible to apply for disability benefits without a lawyer, it’s often beneficial to consult one—especially if your case is complicated or you are going through the appeals process.


An attorney can help you gather medical evidence, prepare your case, and navigate the legal aspects of your claim.