Step 1: Determine Your Eligibility

Before applying, make sure you meet the eligibility requirements for SSDI or SSI.

• SSDI: You need to have worked a sufficient number of years and paid into Social Security through FICA taxes.
• SSI: This program is for individuals with limited income and resources, regardless of their work history.

In Kentucky, as elsewhere, you need to show that your medical condition is severe enough to prevent you from working for at least 12 months or is expected to result in death.

Step 2: Collect Your Medical and Financial Documentation

Gathering comprehensive medical records and documentation is essential for a strong claim. Here’s what you’ll need:

• Medical Records: Include doctor’s notes, hospital records, test results, and treatment plans that clearly show your condition and its limitations.
• Work History: For SSDI, provide a detailed list of your past work, including job titles, dates of employment, and a description of your job duties.
• Financial Records: For SSI, you’ll need to show proof of income, bank statements, and information about your assets.

Step 3: Complete the Disability Application

You can apply for disability benefits through the Social Security Administration (SSA) in Kentucky by following these steps:

• Online: The easiest and fastest method is applying through the SSA’s website at www.ssa.gov.
• In-person: You can apply at your local SSA office in Kentucky. The SSA has several offices across the state, including locations in Louisville and Lexington.
• By phone: You can also apply by calling the SSA at 1-800-772-1213.

Make sure to answer all questions thoroughly and accurately. Honesty is crucial—failure to provide truthful information can lead to delays or denial.

Step 4: Wait for the Initial Decision

After submitting your application, the SSA will review your case. This process typically takes 3 to 5 months. They will evaluate:

• Your medical condition: The SSA will compare your condition to their Listing of Impairments to determine if it meets the criteria for disability.
• Your ability to work: The SSA will assess whether your condition prevents you from performing your previous job or any other job.

Unfortunately, most initial applications are denied. If this happens, you can file an appeal.

Step 5: Appeal If Denied

If your application is denied, you have the right to appeal the decision. The appeal process includes several stages:

1. Request for Reconsideration: The first step is to ask for a reconsideration, where the SSA reviews your claim again.
2. Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your opportunity to present your case in person and submit additional evidence.
3. Appeals Council: If the ALJ denies your claim, you can ask the Appeals Council to review the decision.
4. Federal Court: As a last resort, you can file a lawsuit in federal district court if all other avenues fail.

Step 6: Stay Organized and Follow Up

It’s important to keep track of all deadlines, medical records, and correspondence. The SSA might ask for additional information, so be prepared to respond quickly.

• Create an SSA Online Account: This will allow you to track your application’s status and get updates on any required actions.
• Contact the SSA: If you haven’t received updates or have questions, call the SSA at 1-800-772-1213.