Steps to Apply for Disability Benefits in Kentucky

Step 1: Know the Types of Disability Programs

The Social Security Administration (SSA) offers two main disability programs:

• Social Security Disability Insurance (SSDI): For those who have a qualifying work history and have paid into Social Security taxes.
• Supplemental Security Income (SSI): For individuals with limited income and resources, regardless of work history.

Step 2: Check Eligibility Requirements

Before applying, ensure you meet the SSA’s strict criteria:

• You must have a medical condition that meets the SSA’s definition of disability.
• The condition must prevent you from engaging in substantial gainful activity (SGA) and is expected to last at least 12 months or result in death.
• For SSDI, you must have earned enough work credits.
• For SSI, your income and resources must fall below certain thresholds.
  

Step 3: Gather Necessary Documents

Prepare the following documents to support your claim:

• Detailed medical records, lab reports, and doctor’s notes.
• Work history, including recent jobs and earnings.
• Personal information, including Social Security number, birth certificate, and banking details for direct deposit.

Step 4: Complete the Application

You can apply for disability benefits in Kentucky by:

• Applying online: Visit www.ssa.gov and follow the instructions.
• Applying by phone: Call the SSA at 1-800-772-1213.
• Applying in person: Visit your local SSA office in Kentucky.

Step 5: Monitor Your Application Status

After submission, you can check your application status by:

• Creating an online account on the SSA’s website.
• Calling the SSA directly for updates.
• Responding promptly if the SSA requests additional information.