Are you struggling to get the Social Security Disability benefits you need in London, Kentucky? The application process can feel overwhelming, and denials are frustratingly common. But you don’t have to manage any of this without support.

The disability lawyers at Morgan, Collins, Yeast & Salyer have decades of experience and know how to handle Social Security disability claims from start to finish. We can prepare your application, collect strong medical evidence, and file an appeal for you if your claim is denied. Our team understands the rules determining whether you qualify for these benefits and know how the Social Security system works. We will fight to protect your right to collect the SSDI benefits or SSI benefits you deserve.

Contact our legal team today to arrange your free consultation with a Social Security disability lawyer in London, KY. Get the answers you need now to avoid mistakes and confidently move your claim forward.

Qualifying for Social Security Disability Benefits

Social Security Disability (SSD) benefits provide financial support to people who cannot maintain steady work due to medical conditions. These benefits are not intended to provide short-term assistance. The Social Security Administration (SSA) requires proof that your condition is severe and long-lasting, in addition to limiting your ability to earn an income.

Specifically, your condition must a very strict definition of “disability” to receive financial assistance from the federal government. It must prevent you from performing substantial gainful activity (SGA) to qualify. In 2025, an inability to perform SGA means you cannot earn more than $1,620 per month, or $2,700 if you are considered legally blind. The SSA sets these income limits and adjusts them each year to account for inflation.

Medical requirements and income limits are only part of the overall eligibility requirements. The SSA also reviews your work history to see if you qualify. In most cases, you must have worked for at least five of the last 10 years before you became disabled. Younger workers sometimes qualify with fewer years.

If you’re approved for SSDI benefits, you’ll receive monthly payments and become eligible for Medicare after two years. Certain family members, such as spouses or children, can also receive benefits through your record.

Differences Between SSDI and SSI Benefits

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) both assist people with disabilities, but the programs operate differently.

SSDI is funded through payroll taxes, so eligibility depends on your work history and the credits earned while employed. Your payment amount will be based on your prior income if you qualify. Benefits include monthly payments and Medicare eligibility, which begins two years after your entitlement date. Your dependents might also qualify for payments tied to your work record.

SSI is based on financial need rather than work history. It is available to people who are blind, disabled, or over 64 and have limited income and resources. As of 2025, you only qualify if you cannot earn more than $2,019 monthly from work, and your assets are worth less than $2,000 ($3,000 for couples). The maximum monthly SSI payment is $967 for individuals and $1,450 for couples, although payments can vary based on income, living arrangements, and state supplements.

SSI recipients usually qualify for Medicaid immediately. Some people may receive both SSDI and SSI if they meet all requirements.

How to Apply for SSD Benefits in London, KY

You can apply for SSD benefits online, by phone, or at your local Social Security office. If you live in London, Kentucky, you can visit the nearby Social Security field office in Corbin for in-person assistance. The physical address of this office is: 159 Future Drive, Corbin, KY 40701.

When you apply, you’ll need detailed information about your:

The SSA will want your medical records, test results, and doctors’ contact information. Accurate and complete application details will increase your chance of a timely and favorable decision.

You should apply when you realize your condition will keep you from working for at least 12 months. SSD benefits include a five-month waiting period, so starting early can prevent delays.

What Happens if Your Initial Claim Is Denied?

If your initial SSD claim is denied, don’t lose hope. The majority of applications do not receive approval on the first try. In fact, only about 20 percent of initial claims are approved for benefits. After a denial, you still have the right to appeal through several levels of review.

The first step of the appeals process is reconsideration, which involves a new examiner reviewing your file. If the SSA denies your claim again after reconsideration, you can request a hearing before an administrative law judge (ALJ). If you still do not succeed, you can bring your case to the Appeal Council or even file a federal district court action.

Appeals take time. You can continue providing updated medical evidence and supporting documentation to strengthen your case at each stage. Each phase of the appeals process is subject to strict deadlines, so prompt action is critical. An attorney can help you understand the appeals process, stay on track throughout, and increase your likelihood of a favorable outcome.

The Role of a London Social Security Disability Lawyer

The process of filing for Social Security benefits is not easy. It takes careful attention to detail and substantial evidence. The role of a London Social Security disability insurance lawyer is to step in and take on all the heavy lifting for you. We have been helping clients to determine whether they are eligible and get paid their SSDI and SSI benefits for decades. With our experience in Social Security disability cases, here are some of the ways a knowledgeable personal injury lawyer at Morgan, Collins, Yeast & Salyer could help you seek Social Security disability benefits:

  • Gathering medical records and other support evidence
  • Reviewing your work history to confirm that you meet eligibility criteria as far as work credits
  • Preparing detailed forms that meet all relevant SSA requirements
  • Submitting the initial application on your behalf
  • Explaining which types of evidence carry the most weight
  • Communicating with your doctors to obtain necessary records
  • Filing appeals if your application gets denied
  • Tracking deadlines so you never miss an appeal window
  • Preparing you for questions if you must appear at a hearing
  • Presenting arguments before an administrative law judge
  • Following up with the SSA to check the status of your claim.

How Can Our London SSD Attorneys Help You?

If you need assistance with your Social Security Disability claim, the lawyers at Morgan, Collins, Yeast & Salyer are here to help. Our legal team works with claimants with SSD applications in London and throughout Kentucky. Our team members are available 24/7 to take your call. Contact us now to get started with your free initial consultation.