Step 1: Confirm Your Eligibility

Before applying, make sure you meet the SSDI requirements:

• You must have a qualifying medical condition that is expected to last at least 12 months or result in death.
• You need enough work credits, which are based on your work history and age when you became disabled.
• You cannot be engaging in Substantial Gainful Activity (SGA), meaning your monthly income must be below the SSA’s 2025 limit of $1,550 per month (or $2,590 if blind).

Step 2: Gather Required Information

Having the right documents ready makes the application smoother. You’ll need:

• Personal Information: Social Security number, birth certificate, and contact details.
• Medical Evidence: Hospital records, doctor reports, treatment notes, medications, and test results.
• Work History: A list of jobs from the past 15 years, including job duties and dates of employment.
• Income Details: W-2 forms, pay stubs, or tax returns.

Step 3: Apply for SSDI

In Kentucky, you can begin your application in three ways:

1. Online – Visit the SSA website and complete the application at your own pace.
2. By Phone – Call the Social Security Administration at 1-800-772-1213.
3. In Person – Apply at your nearest Kentucky Social Security office. Appointments are recommended to reduce wait times.

Step 4: Cooperate During the Review Process

After submitting your application:

• The SSA will send your file to the Kentucky Disability Determination Services (DDS).
• DDS will review your medical records and may request additional information.
• You could be asked to attend a consultative medical exam if evidence is insufficient.

Step 5: Track Your Application

SSDI applications in Kentucky can take 3–6 months for an initial decision. You can check your case status:

• Online through your SSA account.
• By calling your local SSA office.
• By contacting the SSA national number.

Appeals if Denied

If your initial claim is denied (which happens to many applicants), you can:

1. Request Reconsideration.
2. Request a Hearing before an Administrative Law Judge (ALJ).
3. Appeal to the Appeals Council or even federal court if necessary.