Step 1: Understand Which Program You Qualify For

Before filing, determine whether you should apply for:

• SSDI (Social Security Disability Insurance): For individuals who have worked and paid into Social Security for a certain number of years. Your eligibility is based on work credits and your medical condition.
• SSI (Supplemental Security Income): For people with limited income and resources, regardless of work history. SSI is needs-based and often helps low-income individuals with disabilities.

You may be eligible for both programs in some situations.

Step 2: Gather Necessary Information and Documents

Before applying, gather important documents and details, including:

• Medical records from all treating physicians and specialists
• A list of medications and treatments
• Your employment history for the past 15 years
• Your most recent W-2 or tax returns
• Birth certificate and Social Security number
• Contact details for your healthcare providers

Providing complete and accurate documentation is critical to avoid delays.

Step 3: Apply for Disability Benefits

You can apply for SSDI or SSI in South Carolina in one of the following ways:

• Online: Visit ssa.gov to apply directly on the SSA’s website.
• By phone: Call the SSA at 1-800-772-1213 to begin the application process.
• In person: Visit your local Social Security office. It's best to call ahead and schedule an appointment.

When completing your application, be thorough and truthful. Be detailed when describing how your condition affects your ability to work and perform daily activities.

Step 4: Cooperate with the Disability Determination Process

In South Carolina, the Disability Determination Services (DDS)—a state agency that works with the SSA—will evaluate your medical condition and decide if you qualify.

You may be asked to:

• Attend a Consultative Exam (CE) with an SSA-appointed doctor
• Submit additional medical information
• Respond to questionnaires about your daily living activities

Respond to all requests promptly to avoid delays or denials.

Step 5: Be Patient—and Prepare for a Possible Appeal

Initial disability applications in South Carolina are often denied. If this happens, you can:

• Request a Reconsideration: Within 60 days of denial.
• Request a Hearing: If reconsideration is also denied, you can ask for a hearing before an Administrative Law Judge (ALJ).
• Continue the Appeals Process: If necessary, your case can go to the Appeals Council or federal court.