Initial Application Stage (3 to 6 Months)

Most applicants in Kentucky receive a decision within 3 to 6 months of submitting their initial application. During this time, the Social Security Administration (SSA) will:

• Review your work history and financial situation
• Evaluate your medical records and evidence
• Possibly send you for a consultative medical exam if more information is needed

Many initial applications are denied, not necessarily because you’re ineligible, but due to missing documentation or insufficient medical proof.

Reconsideration Stage (2 to 4 Months)

If your initial application is denied, you have the right to request a reconsideration. This stage typically takes 2 to 4 months and involves a new SSA reviewer examining your claim and any updated or additional evidence.

Most reconsideration requests are also denied—but don't give up. The next step offers a better chance.

Hearing with an Administrative Law Judge (6 to 18 Months Wait Time)

If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is often the most time-consuming part of the process, with average wait times ranging from 6 to 18 months in Kentucky, depending on the hearing office's backlog.

However, this is also where many applicants finally get approved—especially if you’ve strengthened your case with updated medical evidence.

Total Time From Application to Decision

Here’s what a full timeline could look like:

• Initial Application: 3–6 months
• Reconsideration (if needed): 2–4 months
• Hearing (if needed): 6–18 months
• Total Time: Anywhere from 3 months to over 2 years, depending on the level your case reaches

If your condition is on the SSA’s Compassionate Allowances list or is considered terminal, you may qualify for expedited processing.