1. What Is SSDI?

SSDI is a federal program managed by the Social Security Administration (SSA) that provides benefits to individuals who:

• Have worked and paid Social Security taxes long enough to earn sufficient work credits
• Are unable to work due to a severe, medically determinable physical or mental impairment
• Expect their condition to last at least 12 continuous months or result in death

2. Who Is Eligible for SSDI in South Carolina?

To qualify, you must:

• Have earned enough work credits, which are based on your earnings history. Generally, you need 40 credits total, with 20 earned in the last 10 years, though younger workers may qualify with fewer credits.
• Meet SSA’s definition of disability, meaning you cannot perform substantial gainful activity (SGA). In 2025, SGA is earning more than $1,550 per month, or $2,590 if blind.
• Have a condition that significantly limits your ability to perform basic work tasks, such as walking, lifting, sitting, concentrating, or interacting with others.

3. How to Apply for SSDI in South Carolina

There are three main ways to apply:

A. Apply Online

• Visit www.ssa.gov/applyfordisability
• Create or log in to your my Social Security account
• Complete the SSDI application and Adult Disability Report
• Upload or mail any required supporting documents, such as medical records or employment history summaries

B. Apply by Phone

• Call SSA’s national toll-free number at 1-800-772-1213
• TTY users can call 1-800-325-0778
• Schedule a phone appointment with an SSA representative to complete your application

C. Apply In Person

• Visit your local SSA office in South Carolina
• Use the SSA Office Locator at www.ssa.gov/locator to find the nearest office
• Bring identification and all necessary documents to complete your application

Due to varying office hours and wait times, it is recommended to schedule an appointment in advance.

4. What Documents Do You Need to Apply?

Preparing all necessary documentation before applying helps avoid delays:

• Social Security number and proof of age (birth certificate)
• Detailed medical records including diagnoses, treatment history, and medications
• Names and contact information for all doctors, clinics, and hospitals involved in your care
• Summary of your work history for the past 15 years, including job titles and duties
• Recent W-2 forms or self-employment tax returns

5. What Happens After You Apply?

Your application is sent to Disability Determination Services (DDS) in South Carolina, where claims examiners:

• Review your medical evidence
• May request additional records or schedule a consultative examination (CE) with an SSA doctor if needed
• Decide whether you meet SSA’s disability criteria

6. How Long Does It Take to Get a Decision in South Carolina?

On average, initial SSDI decisions take 3 to 6 months. Factors affecting processing time include:

• Completeness of your application
• Speed of medical record retrieval
• Whether consultative exams are required

If denied, you have 60 days to file an appeal, starting with a Request for Reconsideration.

7. Tips for a Successful SSDI Application

To strengthen your claim:

• Ensure all medical evidence is up-to-date and detailed, clearly explaining how your condition limits your ability to work
• Follow all prescribed treatments to demonstrate you are doing everything possible to improve your condition
• Be honest and thorough in your Adult Disability Report, detailing symptoms, limitations, and daily life impacts
• Respond quickly to any SSA requests for additional information