1. Understand SSDI Eligibility Requirements

Before applying, make sure you meet the SSA’s criteria for SSDI:

• You must have a disability that prevents you from performing substantial work and is expected to last at least 12 months or result in death.
• You must have worked and paid into Social Security for enough years to earn sufficient work credits.
• Your earnings must not exceed the Substantial Gainful Activity (SGA) limit (in 2025, $1,550 per month for most applicants; $2,590 for blind individuals).

If you don’t meet the work credit requirement, you may still qualify for Supplemental Security Income (SSI), which is based on financial need.

2. Gather Necessary Information

Collect all the information you’ll need before starting your SSDI application:

• Personal Information: Social Security number, birth certificate, and contact details.
• Work History: Job titles, duties, and dates worked over the past 15 years.
• Medical Evidence: Names and contact information for doctors, clinics, and hospitals, along with treatment dates.
• Medication and Treatment Records: List of medications, dosages, and therapies.
• Financial Information: W-2s, tax returns, or self-employment records if applicable.

Having this information ready helps prevent delays and mistakes.

3. Choose How to Apply for SSDI

You can apply for SSDI in South Carolina in three ways:

1. Online: Visit www.ssa.gov for the fastest and most convenient option.
2. By Phone: Call the SSA at 1-800-772-1213 (TTY 1-800-325-0778) to apply or schedule an appointment.
3. In Person: Visit your local Social Security office. South Carolina has offices in cities like Columbia, Charleston, Greenville, and Myrtle Beach.

It’s recommended to call ahead if you plan to apply in person to make an appointment.

4. Complete the SSDI Application Accurately

Filling out the application carefully is critical:

• Be honest and detailed about your condition and work limitations.
• Describe your work history accurately.
• Double-check that all information is complete — missing details can delay your claim or cause denial.

The SSA evaluates how your condition limits your ability to perform work-related tasks, so specific examples of your challenges strengthen your claim.

5. Submit Medical Evidence

Medical documentation is crucial for your SSDI claim. The SSA requires proof of your disability from qualified medical professionals. Include:

• Diagnostic tests (MRI, X-rays, blood work, etc.)
• Hospital and clinic records
• Specialist reports (neurologists, psychiatrists, orthopedists, etc.)
• Statements from your treating physician describing how your disability prevents you from working

In South Carolina, your claim may be reviewed by the Disability Determination Services (DDS) office, which evaluates medical evidence on behalf of the SSA.

6. Track Your Application Status

After submitting your application, create a mySSA account to:

• Monitor your claim’s progress
• See if the SSA requests additional documents
• Respond promptly to avoid delays

Most initial SSDI decisions take 3 to 6 months, depending on the complexity of your case.

7. Prepare for Possible Denials and Appeals

It’s common for SSDI claims to be denied initially. If this happens, you have the right to appeal within 60 days.

Appeal stages in South Carolina include:

• Reconsideration — a new review by a different SSA examiner
• Administrative Law Judge (ALJ) Hearing — presenting your case in person or virtually
• Appeals Council Review and Federal Court — if further appeal is needed

Many applicants are approved during the ALJ hearing stage, so thorough preparation is essential.