Step 1: Determine Your Eligibility

Before filing, make sure you meet the basic SSDI requirements:

• You have a disability expected to last at least one year or result in death
• You have worked long enough and recently enough to earn sufficient work credits
• You’re not currently engaged in substantial gainful activity (SGA)

Step 2: Gather Required Information

You’ll need to provide detailed documentation when you apply. Be prepared with:

• Medical records (diagnoses, test results, treatment history)
• Work history for the past 15 years
• List of medications and doctors
• Recent tax forms or pay stubs

Having this information ready can help avoid processing delays.

Step 3: File Your SSDI Claim

You can file your disability claim in Kentucky in one of three ways:

• Online at the Social Security Administration (SSA) website
• By phone at 1-800-772-1213
• In person at your local Social Security office

Applying online is often the fastest and most convenient method.

Step 4: Wait for a Decision

Once your application is submitted, it will be reviewed by Kentucky’s Disability Determination Services (DDS). This includes:

• Verifying your work history
• Reviewing medical records
• Possibly sending you for a consultative exam

The process may take several months, and you will receive a letter with the decision.

Step 5: Prepare for Appeal If Needed

Many first-time SSDI applications are denied. If that happens, don’t give up—you have the right to appeal. The appeals process in Kentucky involves:

1. Reconsideration
2. Hearing before an administrative law judge
3. Review by the Appeals Council
4. Federal court review, if necessary

Act quickly—each appeal step has strict deadlines.