South Carolina Disability Benefits FAQ

In South Carolina, the main sources of disability benefits are the federal Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. Both are managed by the Social Security Administration (SSA), but they have different eligibility criteria. South Carolina does not provide a separate state disability benefit; all claims go through the SSA. If you qualify for SSI, you may also become eligible for Medicaid automatically.

To qualify for Social Security disability benefits, you must have a medical condition that meets the SSA’s definition of disability and is expected to last at least 12 months or result in death. For SSDI, you must also have a work history and have paid Social Security taxes. For SSI, you must have limited income and resources. Both programs require strong medical evidence documenting your limitations and their impact on your ability to work.

For a detailed list of qualifying conditions, visit our Qualifying Conditions for Disability Benefits page.

Adults who are unable to work due to a qualifying medical condition can apply for SSDI or SSI. Children with significant disabilities may qualify for SSI based on family income. Surviving family members may also be eligible for certain Social Security benefits if a worker passes away.

Common qualifying disabilities include musculoskeletal disorders (back injuries, arthritis), cardiovascular conditions (heart disease), mental health conditions (depression, PTSD), respiratory disorders (COPD, asthma), neurological conditions (epilepsy, stroke), immune disorders (lupus, HIV), and certain cancers.

For more information, see our Qualifying Conditions for Disability Benefits page.

A disability hearing is typically held before an Administrative Law Judge (ALJ), often at a local SSA hearing office or virtually. You’ll answer questions about your medical condition, work history, and daily limitations. Medical experts or vocational specialists may testify. The hearing is less formal than a court trial, but having an attorney or advocate present can help you prepare and present your case effectively.

Learn more about the process on our SSDI Process in South Carolina page.

Hearings for disability claims in South Carolina are usually held at local SSA offices such as the Charleston Office of Disability Adjudication and Review (ODAR) or by phone/video conference. Your notice will specify the location and time. It’s important to arrive early and bring any requested documents.

• Be honest and specific about your symptoms and how they affect your daily life.
• Bring all relevant medical records and documentation.
• Listen carefully to questions and answer clearly.
• If possible, have an experienced representative or attorney with you to help present your case and address any issues that arise.

If you need help preparing for a hearing, contact us for support.

Yes—age can play a significant role. The SSA uses “grids” that factor in your age, education, and work experience when deciding if you can adjust to other work. Generally, it’s easier to qualify for benefits as you get older, especially after age 50.

Yes, to qualify for SSDI or SSI, you generally must not be engaging in “substantial gainful activity” (SGA). The SSA sets monthly income limits for SGA (updated annually). If you earn above this limit, you are unlikely to qualify. However, there are exceptions and special rules for trial work periods—contact us for personalized guidance.