Chattanooga Social Security Disability Lawyer

Tennessee's Largest SSDI Law Firm

Filing for Social Security disability benefits can be a confusing and frustrating process. A Social Security disability lawyer in Chattanooga from The McMahan Law Firm is here to guide you every step of the way, ensuring your application is properly handled and fighting for the benefits you may be entitled to.

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If a medical condition or serious injury is expected to keep you from sustaining regular work for at least 12 months, you may qualify for Social Security Disability Insurance (SSDI). A Chattanooga SSDI lawyer can help you review your work credits, prepare your application, develop the medical and work evidence, and appeal a denied claim.

The McMahan Law Firm is Tennessee’s largest Social Security law firm, with a real Chattanooga office and a team prepared to handle your claim from the initial application through the appeals process. Complete our online form today for a free case review.

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Combining Disability & Personal Injury Experience

When a serious injury keeps you from returning to work, you may have both a personal injury claim and a claim for disability benefits. Our team understands how medical evidence, lost income, and long-term work limits affect both, allowing us to consider your case and your future together.

You're Not Alone

Navigating the Social Security system can be really tough, but you don’t have to do it alone. Our disability lawyers can help guide you through the entire process. We’re Tennessee’s largest Social Security law firm with a real office, real lawyers, and real results—not a name on a door.

Free Case Review

Your initial case review is always free, so we can advise you on your options with no upfront cost!

Don’t Face an SSDI Denial Alone—We Can Help!
What Does Social Security Consider When Reviewing Your Claim?
Do I Qualify For Social Security Benefits?
How Can A Lawyer Help?
How Do You Apply for Disability Benefits in Tennessee?
What Comes Next in the SSDI Process?
One Team for Your Case and Your Future
Chattanooga Social Security Disability FAQs
Put Your Case in Good Hands With Tennessee’s Largest Social Security Firm
Related Articles & Info

Social Security Disability Testimonials

My step-son was in a car wreck that involved him losing part of his left arm. A friend put me in touch with The McMahan Law Firm to help file for disability. Kim Chapman, a paralegal for the firm, reached out and guided myself and my step-son through every step. Filing for disability can be complicated, but Kim made the process simple for us. She helped my step-son secure the necessary documents needed by the SS system, and helped with preparing him for court. He was awarded his disability the first go-round. Thank you, Kim, for caring about your clients!

-V.W.

The McMahan Law Firm and its employees were my brother’s beacon of hope in getting approved for his disability. Both he and I were treated with the utmost respect every time we entered the doorway to this law firm. The decision my brother received on his case was favorable due to the expertise of the attorneys and employees of this amazing business. My brother and I are eternally grateful for their service and highly recommend them. Thank you McMahan Law Firm!!

-C.S.

Without McMahan Law Firm, I would never have gotten my disability. They handled everything from the beginning to the end. They are definitely the best I’ve ever dealt with, and I would use them again if I’m ever in need of an attorney again. Absolutely the best. Thank you again.

-L.W.

Chris Gentry and Kim Chapman got my disability approved in record time! They were professional yet friendly and explained the process to me every step of the way. Kim is very knowledgeable and answered all questions promptly. I can’t thank them enough!!

-Joseph

McMahan Law Firm helped me acquire my Social Security Disability benefits after my two previous failed attempts on my own. They kept things simple for me along the way. I highly recommend this firm for your Social Security Disability needs.

-P.C.

Well, thanks to the team of McMahan Law Firm for hard work that helped me get my Social Security approved and the benefits along with it. Thank you all that really helped me get Social Security income money now. And thank you, Todd, for letting me know not to quit and to keep on going. My father-in-law, Mr. Bobby House, recommended you all to me to have y’all represent me on getting my Social Security, and I stayed with it. And now he is proud of me. You all did an excellent job of helping me get my Social Security approved and the benefits. Thank you all. I will recommend you all to family and friends if they’d like to get their disability and Social Security money approved through you all.

-R.K.

I wanna thank McMahan Law Firm for accepting my case for disability. I wanna thank God for the lawyer Christopher Gentry and Ann Dawns for all their service and all. I wanna thank you all.

-Corey

Thank goodness for Ms. Downs and Mr. Gentry. Anytime I had a question, they were only a phone call away. I had no idea how to get my disability, and they walked me through the whole process. There is no doubt they are the best people in town! Bless all of you for helping me.

-Carla

When I say McMahan Law Firm took care of me, they did that! They were able to get my disability approval in less than 6 months!!! Thank you!

-K.L.

I would like to thank my attorney, Richard S. Taliaferro, for helping me on my disability case and getting approved for disability. I have blood clots in the left leg with swelling that will not go away, and I’m on blood thinners. I would recommend McMahan Law Firm 100% for your disability or any other issue you may have. Very respectful, professional, caring attorneys.

-J.C.

Everyone was always helpful and pleasant to work with. I was approved for disability thanks to Chris Gentry and Kim Chapman.

-L.M.

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Don’t Face an SSDI Denial Alone—We Can Help!

Receiving an SSDI denial can feel final, but it doesn’t necessarily mean your claim is over. The denial notice should explain why the Social Security Administration rejected your application. The reason may involve insufficient medical evidence, questions about your ability to work, a work-credit issue, or missing information. Identifying the specific reason for the denial helps determine what the appeal needs to address.

You generally have 60 days after receiving the notice to request reconsideration. Missing this deadline can limit your options. Filing a new application instead of appealing may also mean giving up your original filing date and potential past-due benefits, depending on your circumstances.

The SSDI appeals process may include:

Reconsideration: A different examiner reviews your application along with any new or updated evidence.
Administrative law judge hearing: If reconsideration is unsuccessful, you can ask a judge to review the evidence and hear testimony about your condition and work limitations.
Appeals Council review: The Appeals Council can review the judge’s decision and may uphold it, change it, or return the case for further proceedings.
Federal court: After the administrative appeals process, some claims can be taken to federal court.

Our Chattanooga SSDI lawyers can review your denial notice, identify missing evidence, obtain updated treatment records, document how your condition limits your ability to work, and prepare your claim for the next level. The sooner our team reviews the denial, the more time we have to build an appeal that directly addresses why the SSA said no.

What Does Social Security Consider When Reviewing Your Claim?

The Social Security Administration looks at more than the name of your condition. It considers your medical evidence, recent work history, and the physical or mental tasks you can still perform. Together, this information helps the SSA decide whether your condition prevents you from sustaining regular work.

Medical Evidence

A diagnosis alone doesn’t prove that someone qualifies for Social Security Disability benefits. Your medical evidence must also show how the condition limits your ability to function at work. Depending on your condition, that may include difficulty sitting, standing, walking, lifting, using your hands, concentrating, remembering instructions, maintaining pace, attending work consistently, or interacting with others.

Useful evidence may include:

Treatment notes showing how your symptoms have changed over time
Imaging, laboratory results, and other objective testing
Surgery and hospitalization records
Medication records, including effectiveness and side effects
Physical or mental functional assessments
Documentation of pain, fatigue, flare-ups, and unsuccessful treatment
Statements describing your daily activities and what you can still do in a work setting

The strongest evidence connects your medical condition directly to specific work limitations. Our team can review the available records, identify gaps, and help present a clear account of how your condition affects your ability to work.

Work History

Your work history helps the SSA decide whether you can return to a previous job or adjust to another type of work. For claims filed or decided under the current rule, the SSA generally reviews only the previous 5 years of past relevant work. It also generally doesn’t consider work that began and ended in fewer than 30 calendar days to be past relevant work.

A job title alone doesn’t show what the work required from you. Your work history should accurately describe:

Your actual daily duties
How long you spent sitting, standing, or walking
How much you regularly lifted or carried
The job’s pace and concentration requirements
Your supervision and interaction with other people
Accommodations, extra help, or reduced duties you received
Attendance problems or unsuccessful attempts to continue working
Why the job ended or your duties changed

These details can help show why you can’t return to your previous work and whether your skills could reasonably transfer to another job.

Long-Term Ability to Work and Earn

For SSDI purposes, the SSA considers whether you can sustain substantial gainful activity despite your medical limitations. It may evaluate your age, education, work history, transferable skills, and the combined effects of all your conditions.

The 2026 general substantial gainful activity threshold is $1,690 per month for a non-blind claimant and $2,830 per month for a statutorily blind claimant. These monthly figures are updated each year and are not simple earnings caps in every situation. The SSA may also consider the nature of the work, impairment-related expenses, and other circumstances.

A serious injury claim addresses a different question. If another party caused your injury, lost income and reduced future earning ability may be included in the damages you pursue. SSDI instead provides benefits based on whether you meet the federal definition of disability. The same medical records and work limitations may matter to both claims, but the 2 processes have different requirements and possible outcomes.

When an injury affects both your current case and your long-term ability to earn a living, our team can evaluate how those issues fit together and help keep the medical and work evidence consistent.

To qualify for Social Security Disability Insurance, you must meet both the SSA’s work-credit requirements and its definition of disability. The SSA generally considers whether:

You have earned enough work credits through employment or self-employment covered by Social Security.
Your medical condition prevents you from performing substantial gainful activity.
You can no longer perform your previous work.
You cannot reasonably adjust to other work based on your limitations, age, education, and work history.
Your condition has lasted or is expected to last at least 12 months or result in death.

Work credits are earned by paying Social Security taxes on wages or self-employment income. In 2026, you earn 1 credit for every $1,890 in covered earnings, up to 4 credits per year. The number you need depends on your age when your disability began, and some of those credits generally must have been earned recently.

Our Chattanooga SSDI lawyers can review your earnings record, work history, and medical limitations to help you assess whether you may qualify and what evidence your application should include.

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What Our Clients Are Saying About Us

       EXCELLENT  
   Based on 542 reviews 
    
 
 
 
   
 
 
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   Michael Talent 
 3 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have had an extremely positive experience with The Mcmahan Firm. The person I had the most contact with was Missy the paralegal for my case. She was always available to answer any questions I had and kept in contact with me for any updates with my case. The attorney for my case Melissa was also keeping me informed on anything she needed or any updates to my case. Both of these two professionals constantly go above and beyond what I am sure their duties are to make sure that the client is never confused or feels like they are just another case for them. I feel no other firm would have represented me as well as they did and there are no words to accurately express how much i appreciate them. Thank you Missy and Melissa.
  
 
     Posted on Google  
   
   Tanya Cochran 
 2 November 2026
 
 
 Trustindex verifies that the original source of the review is Google. I personally enjoyed my visit today. I don't have a pending case but I do have a friend who has the office building itself was nice very clean and open. The front staff was kind and friendly very inviting and informative. I hope the best for my friend and the case and hope that this law firm and the appointed lawyers do there best to get the job done.
  
 
     Posted on Google  
   
   Jamie Perkins 
 22 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Following our serious automobile accident, our lives changed in and instant. We faced significant injuries, months of recovery and more uncertainty than we ever imagined. During that time, our attorney, Joe Hollis, and his paralegal, Laura Lang, carried a burden we could not have handled alone.
Joe fought for us, kept our case moving and make sure our concerns were heard.  Laura was always helpful, reassuring and available when we had questions.  Having them in our corner allowed us to focus on healing instead of worrying about the legal process.
We are deeply thankful for Joe and Laura, the dedication they showed throughout the past year and the outcome they achieved for us. We would confidently recommend them to anyone needing strong, thrust worthy representation after a serious accident.
  
 
     Posted on Google  
   
   Michael Brumlow 
 19 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am very happy I chose the McMahan law firm to represent me. My attorney Joe Holllis was very knowledgeable and a great negotiator. He did an excellent job to get me the best settlement, which was more than I expected. He is someone you can trust because of his experience.
His paralegal, Laura Lang was truly exceptional. She kept in constant contact and walked me through the entire process. Anytime I ever needed to talk to her she was always right there. I always felt they were on my side to do the very best job they could for me and that they really did cared. Very professional, I highly recommend this law firm to anyone who needs a good attorney who will be in your corner to fight for you and to get you the best results.
  
 
     Posted on Google  
   
   Gerald Smith 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with McMahan Law Firm. Ms. Jill Crouch assisted me throughout my case and was always helpful, professional, and responsive whenever I had questions or needed an update. She kept me informed throughout the process and made sure I understood what was going on with my settlement.

I really appreciate Jill and the McMahan Law Firm team for all their help and for getting everything handled for me. I’m happy with the outcome and would definitely recommend them to anyone needing legal help after an accident. Thank you again, Jill!
  
 
     Posted on Google  
   
   karrie perkins 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. I cannot say enough about the care, dedication, and hard work Joe and Laura put into my parents' case.  Last year my parents were involved in a serious auto accident. To say it was an incredibly difficult and overwhelming year would be an understatement.  Throughout it all, Joe and Laura worked tirelessly on my parents' behalf, kept us informed, answered our many (many, many) questions, and helped us navigate a situation we never imagined we would face.
What meant the most to me was that they treated my parents like people - not simply another case.  Their compassion, patience, and reassurance gave our family peace of mind during some very uncertain moments.  I will always be grateful for the time, effort, and attention they gave my parents and for everything they did to bring their case to a successful resolution.
From the bottom of my heart, thank you for taking such good care of my parents!! I would absolutely recommend this team to anyone needing knowledgeable, hardworking, and genuinely compassionate legal representation.
  
 
     Posted on Google  
   
   Brandon McAnally 
 25 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. My mother and I suffered from a dog attack in Chattanooga. We immediately reached out to McMahan Law Firm and they started working on the case the same day. They were thorough, empathetic, hardworking, and great at communication. Most important of all, they helped us achieve a great settlement for our case. We greatly appreciate all of the hard work they did for us! Thank you to Laura and Joe.
  
 
     Posted on Google  
   
   Margaret Burke 
 22 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Everyone at this practice handled my case with compassion and made me feel important. They all made me feel like I was a part of their family. A special thank you to Missy, Melissa, Brent and everyone else that handled my case. I felt so comfortable calling Missy at anytime and she always took the time to ease my concerns. Again, thank you all for taking such good care of me. I would highly recommend this firm to anyone.
  
 
     Posted on Google  
   
   Ruth Cronan 
 9 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. McMahon Law Firm worked with me tirelessly to get my SSI case approved by a judge. I did not always make it easy but the staff were patient with me and alleviated everyone of my concerns, even squelching some before I mentioned them. I would 10 out of 10 tell everyone to go to this law firm in lieu of going at the system themselves! I wish I had contacted them sooner.
  
 
     Posted on Google  
   
   John Bianchetti 
 3 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Information was incredible and Chris talked to me in dummy terms 😆 so I could understand all of the professional terminology.
  
 
     Posted on Google  
   
   liz waters 
 23 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Without McMahon law firm, I would never have gotten my disability. They handled everything from the beginning to the end.  They are definitely the best I’ve ever dealt with and I would use them again if I’m ever in the need of an attorney again absolutely the best.  Thank you again.
  
 
     Posted on Google  
   
   Kevin Cornwell 
 8 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I cannot say enough good things about Mcmahan law firm !!!! McKenzie You are a ROCK STAR you have far exceeded my expectations through all of this and it is very much appreciated. I never worried as I knew that I was in good hands with this firm. Melissa,Thank You for all your expertise in working with me and being a guiding force through my case. Jay, Brent I understand why your firm outshines all the other, your whole staff are very professional, personable and if anyone has any doubt on whether to choose you I can attest to this. If you want a firm that will fight for your rights and treat you with utmost loyalty, dignity This is the Firm to choose.
Thank you All,
Kevin Cornwell
  
 
     Posted on Google  
   
   Ace Brooks 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I absolutely appreciate this Law firm especially ‫ Melissa Weitzel‬ and Missy Burks for helping me with my case regarding a work accident, communication was very clear and simple, any questions or concerns I had they answered as soon as possible and were very thorough with the information, 10/10 I recommend.
  
 
     Posted on Google  
   
   Ricky Dilbeck 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. They did a great job and was very helpful and great people there and stayed with me through everything made sure. I know what was happening. I recommend them to anyone that needs help they will fight for you
  
 
     Posted on Google  
   
   Susan Dilbeck 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. They were very helpful and answered all of our questions and we could call anytime to talk to them.
  
 
     Posted on Google  
   
   Dawn Gatlin 
 8 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Called the office with many questions and immediately got placed with a legal assistant who answered all of my questions and was more helpful with obtaining information just by phone than anyone I've reached out to or anything I've done on my own for the last 4 weeks!  Billie was absolutely amazing to speak with!
  
 
     Posted on Google  
   
   Keith 
 4 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I don’t usually take the time to write detailed reviews, but my experience with McMahan Law Firm—especially working with Melissa and Makenzi—truly deserves recognition. From the start, it was clear that this firm operates with a high level of professionalism and genuine care for their clients. Legal situations can be stressful and overwhelming, but they made the entire process feel much more manageable.

Melissa was one of the first people I worked with, and she immediately stood out for her knowledge and communication skills. She took the time to explain everything clearly and made sure I understood each step of the process. I never felt rushed or overlooked. Her attention to detail and commitment to doing things the right way gave me a strong sense of confidence and trust.

Makenzi was equally impressive. She was always responsive, organized, and consistent in her communication. Whether I had a question or needed an update, she was quick to follow up and keep me informed. That level of responsiveness made a huge difference and removed a lot of the uncertainty that often comes with legal matters. She was also very approachable and easy to talk to, which made the experience feel more personal and less intimidating.

Together, Melissa and Makenzi worked seamlessly as a team. Everything felt well-coordinated, and I always knew what was happening with my case. They handled each step with professionalism while also showing genuine concern for my situation. During more stressful moments, they remained calm, patient, and reassuring, which helped me stay confident throughout the process.

What stood out most about McMahan Law Firm is their balance of expertise and personal attention. They don’t treat you like just another case—they treat you like someone whose situation matters. That level of care is hard to find and made a lasting impression on me.

I would highly recommend McMahan Law Firm to anyone in need of legal assistance. If you have the opportunity to work with Melissa and Makenzi, you will be in excellent hands. Their dedication, communication, and professionalism made a difficult situation much easier to navigate, and I’m truly grateful for their support.
  
 
     Posted on Google  
   
   Veronica Oliver 
 2 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. This is by far The Best Law firm I have ever had the pleasure of doing business with. The lawyer was amazing and very helpful and knowledgeable on everything I needed to know and the time line was perfect... I want to send a special thank you to Mrs. Billy she is such a pleasure to work with and very very sweet 🥰 thanks again
  
 
     Posted on Google  
   
   Patsy Mathis 
 20 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. McMahan Law Firm is one of the best law firms in Chattanooga,this is my second time using them,and I would like to thank Melissa and Makenzi,for their compassionate concern and timeless efforts that was shown during the duration of my case you two are a great asset to the firm and I'm very grateful to have had you on my case you both are precious jewels!!
  
 
     Posted on Google  
   
   Antwoin Micclendon 
 18 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with McMahan law firm they’re very knowledgeable about the Chattanooga area and how the laws work
  
 
     Posted on Google  
   
   Eric Holloway 
 17 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am so greatful that the McMahan Law Firm and thier team, are NOT ambulance chasers, they are a group of dedicated attorneys,  paralegals,  investigators,  court liaisons, and staff that don't just see or hear a " CHA CHING", or a " IT'S ALL PERSONAL TO ME", when you walk in thier door.
They see " YOU", a human being, someone that they went to school for years to learn the LAW, to help "YOU", in your time of need.
I will always be greatful to this firm and thier staff for the outstanding care and effort and time they put into my case to make sure " I ", was taken care of, not worrying about thier bottom line, but the care that you need is at the upmost importance to them, not the $ dollar sign, they are people with feelings, empathy, and most of all they really do CARE.
My name is Eric Holloway,  and I approve this message...lol...
  
 
     Posted on Google  
   
   Regina Kopeck 
 12 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. I worked with excellent knowledgeable people on my case. I want to thank my lawyer Chris Gentry his staff Connie who I love. She is so sweet, she helped so much and especially Lisa.I appreciate each and every one of you. I would recommend you all to anyone who needs help. Thank you for helping me to win my case . Much appreciated.
  
 
     Posted on Google  
   
   Thomas Crow 
 5 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. I reached out to thos firm about a matter I'm struggling with. They told me they would call the following day if they could help.

While they could not help me with my situation, they kept their word by calling back. I was given referrences for which I'm grateful. The emphasis on communication is worth the 5 stars imho, especially given the fact that folks these days don't follow through with doing what they say they'll do.
  
 
     Posted on Google  
   
   sharon pickett 
 4 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. When your boss and the insurance companies try to take advantage of you and clearly after 30 years on the job, the they treat you like a piece of gum on the bottom of there shoe, call McMahan -these guys don’t even know you, but they will show up and fight for you, cause they got your back!!tThey demand results and you won’t be disappointed
  
 
 
  
 
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How Can a Lawyer Help?

An SSDI lawyer does more than submit forms. Our Chattanooga disability team examines how your medical condition, earnings, and past work fit the SSA’s rules, then develops evidence showing why you can’t sustain regular employment.

Depending on the stage of your claim, our lawyers at The McMahan Law Firm in Chattanooga can:

Review your work credits, earnings, and potential eligibility
Identify missing medical records or functional evidence
Document the demands of your previous jobs and why you can no longer perform them
Explain how pain, fatigue, medication side effects, or mental limitations affect your work
Complete applications and appeals while tracking important deadlines
Communicate with the SSA and Tennessee Disability Determination Services
Prepare you to testify at a hearing and address medical or vocational issues

No lawyer can guarantee approval or control how quickly the SSA decides a claim. Our role is to make your case complete, consistent, and focused on the requirements the SSA uses to determine disability. Whether you are applying for the first time or appealing a denial, our team can handle the legal process while you focus on your health and future.

How Do You Apply for Disability Benefits in Tennessee?

Social Security Disability Insurance is a federal program, so Tennessee residents submit their applications to the Social Security Administration. You can apply online, by phone, or through a local Social Security office.

After the SSA receives your application, Tennessee Disability Determination Services reviews the medical portion of the claim. This agency is part of the Tennessee Department of Human Services and processes initial claims and reconsiderations under an agreement with the SSA. It may request medical records, ask for more information, or schedule an examination when the available evidence is insufficient.

A complete application gives both agencies the information they need to evaluate your eligibility, medical limitations, and ability to work. Here is what you should prepare:

The application begins with basic information about you and your family. You may be asked to provide:

Your Social Security number, date of birth, and place of birth
Citizenship or lawful immigration information
Marriage and divorce dates
Information about your spouse, former spouses, and children
Dates of military service, if applicable
Bank information for direct deposit
Contact information for someone familiar with your condition
Information about workers’ compensation or other disability benefits

Having this information ready can prevent missing answers and unnecessary delays.

List every physical and mental condition that limits your ability to work, even if one condition appears more serious than the others. The SSA considers the combined effect of all medically supported conditions.

For each doctor, hospital, clinic, therapist, or other medical provider, gather:

The provider’s name, address, and phone number
Treatment dates and reasons for each visit
Patient identification numbers, if available
Diagnoses, test results, surgeries, and hospitalizations
Medications, prescribing providers, and side effects
Medical devices or equipment you use
Upcoming appointments or recommended treatment

You should also explain how your condition affects specific activities, such as sitting, standing, walking, lifting, using your hands, concentrating, remembering instructions, or attending work regularly. A diagnosis alone doesn’t show the full extent of your work limitations.

The SSA uses your work history to decide whether you can return to a previous job or adjust to another type of work. Under the current rule, it generally reviews work performed during the 5 years before your disability began. Work that started and ended in fewer than 30 calendar days generally isn’t considered past relevant work.

For each applicable job, provide:

The employer’s name and your dates of employment
Your job title and actual daily duties
The hours you worked each day and week
How much time you spent sitting, standing, or walking
The heaviest weight you lifted and how often you lifted it
Tools, machines, or technical skills you used
Concentration, production, or interaction requirements
Accommodations, reduced duties, or extra help you received
Attendance problems or unsuccessful attempts to continue working
Why the job ended or your duties changed

Don’t rely on your job title alone. Two people with the same title may perform very different work, so the SSA needs an accurate description of what your job required.

An SSDI claim may involve the benefits application, an Adult Disability Report, medical-release forms, and additional questionnaires about your work or daily activities. These forms ask when your condition began affecting your work, when you stopped working, and what prevents you from maintaining employment now.

Your answers should be complete and consistent across every form. Differences in treatment dates, job duties, symptoms, or the date you became unable to work can create questions that slow the review or weaken the claim.

Our Chattanooga disability lawyers can help complete the required forms, explain questions that are unclear, and make sure the application accurately reflects your medical and work limitations.

The SSA may ask for documents that confirm your identity, earnings, medical treatment, and other benefits. Depending on your circumstances, these may include:

A birth certificate or other proof of birth
Proof of citizenship or lawful immigration status
Military discharge papers
Recent W-2 forms or self-employment tax returns
Workers’ compensation records or settlement documents
Medical records, test results, and doctors’ reports
A current medication list
Pay stubs or records of recent work attempts

You don’t necessarily need every medical record in your possession before applying. With your authorization, the SSA and Tennessee Disability Determination Services can request records from the providers you identify. However, complete provider information and any records already available can help the agencies obtain and review the evidence more efficiently.

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What Comes Next in the SSDI Process?

What happens next depends on whether you’re preparing an initial application or appealing a denial. Although every claim follows a different timeline, our work remains focused on developing clear evidence, meeting deadlines, and addressing the specific issues the SSA must decide.

1. Review Your Claim

Our team begins by reviewing your medical conditions, treatment, work history, earnings, and potential eligibility. If the SSA has already denied your claim, we examine the denial notice and available case file to identify the medical, work-related, or technical reasons for the decision.

2. Develop the Evidence

We gather and organize evidence showing how your condition affects your ability to work. This may include updated treatment records, test results, medication side effects, provider assessments, descriptions of your previous jobs, and documentation of unsuccessful attempts to continue working.

3. File the Application or Appeal

Our lawyers help you file for disability benefits by completing the required forms, submitting the available evidence, and tracking filing deadlines. We also respond to requests from the SSA or Tennessee Disability Determination Services, including requests for additional records, questionnaires, or a consultative examination.

4. Prepare for a Hearing When Necessary

If your claim is denied at reconsideration, you may request a hearing before an administrative law judge. Our team reviews the hearing file, prepares you to answer questions about your symptoms and work limitations, and addresses medical or vocational issues raised during the hearing.

5. Review the Decision and Your Options

After the SSA issues a decision, we review it with you and explain what comes next. If the decision is favorable, the SSA must determine your established disability date, monthly payment, and any past-due benefits. This process can take time, and payments may not begin immediately. If the decision is unfavorable, we can evaluate whether the case should proceed to the Appeals Council or another appropriate next step.

One Team for Your Case and Your Future

A serious injury can affect far more than your health. It may keep you from returning to your former job, reduce what you can earn in the future, and leave you worried about medical care and household expenses. Depending on how the injury occurred and how long it limits you, you may have several connected claims:

A personal injury claim against the party responsible for your accident if you suffered a serious injury such as a traumatic brain injury (TBI) or were injured in a car, truck, or motorcycle accident
A workers’ compensation claim if you were injured while working
An SSDI claim if your condition prevents you from sustaining work for at least 12 months or is expected to result in death

Each claim serves a different purpose. A personal injury claim may seek payment for losses caused by another party, including lost income, reduced earning ability, and future-care needs. Workers’ compensation may provide medical and wage benefits for a job-related injury. SSDI provides monthly income benefits when you meet the Social Security Administration’s work and disability requirements.

These claims may rely on many of the same medical records, work restrictions, and earnings information. However, inconsistent descriptions of your condition or ability to work can create problems. The McMahan Law Firm can evaluate how your claims fit together, coordinate the evidence, and help ensure that each case accurately reflects how the injury has affected your life.

SSDI itself doesn’t compensate you for future medical care. In most cases, Medicare eligibility begins after 24 months of disability-benefit entitlement. Workers’ compensation and certain public disability payments can also reduce SSDI payments, while an injury settlement may create separate concerns for someone receiving needs-based SSI.

You shouldn’t have to treat your injury, disability benefits, lost income, and future care as unrelated problems. With one team for your case and your future, you can address both what the injury has already cost you and the support you may need moving forward.

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If you collect SSDI, your spouse and children or your ex-spouse may be able to also receive benefits as dependents. These benefits will be less than your monthly benefits. Dependents must be spouses, children under 18, or young adults who became disabled before the age of 22.

Spouses who are at least 62 years old and ex-spouses at least 62 years of age that you were married to for at least 10 years can collect benefits. Finally, if your ex-spouse cares for your children, they can collect benefits until the children turn 16, or they can continue to collect indefinitely for a child who became disabled before age 22.

Read the denial notice carefully and identify why the SSA rejected your claim. The reason may involve missing medical evidence, questions about your work abilities, insufficient work credits, or incomplete information. Keep the notice and any documents the SSA sent with it.

In most cases, the next step after an initial denial is to request reconsideration—not simply submit a new application. You should also update your medical records, correct inaccurate information, and address the specific reasons the SSA gave. Contacting an SSDI lawyer promptly gives the legal team more time to review your file and prepare the appeal.

You generally have 60 days after receiving the denial notice to file an appeal. The SSA usually assumes you received the notice 5 days after the date printed on it unless you can show that it arrived later.

Similar 60-day deadlines generally apply when requesting an administrative law judge hearing or Appeals Council review. If you miss a deadline, you may request an extension for good cause, but the SSA won’t necessarily have to grant it. Begin the appeal as soon as possible rather than waiting until the deadline approaches.

The SSA needs medical evidence establishing that you have a medically determinable condition and showing how severely it limits you. A diagnosis alone isn’t enough. The records should explain how your condition affects work-related activities such as sitting, standing, walking, lifting, using your hands, concentrating, following instructions, or maintaining regular attendance.

Useful evidence may include treatment notes, imaging, laboratory results, surgery records, medication side effects, functional assessments, and documentation of pain, fatigue, or flare-ups. The SSA may also consider statements about your daily activities and unsuccessful attempts to continue working.

The SSA uses your work history to decide whether you can return to a previous job or use your skills in another type of work. Under the current rule, it generally reviews jobs performed during the 5 years before your disability began. Work that started and ended in fewer than 30 calendar days generally isn’t treated as past relevant work.

Remember, your job title isn’t enough. The SSA needs details about your duties, physical demands, concentration requirements, interaction with others, accommodations, attendance problems, and why the work ended. An accurate work history can help show why your limitations prevent you from performing your former work.

Possibly, but being unable to return to your former job doesn’t automatically qualify you for SSDI. The SSA will also consider whether you could adjust to another type of work.

That decision may depend on your medical limitations, age, education, recent work history, and transferable skills. Your records must show not only why you can’t perform your previous duties, but also why your condition prevents you from sustaining other work that the SSA believes you could reasonably perform.

Yes. An SSDI claim can proceed alongside a personal injury or workers’ compensation claim because each has different requirements. SSDI focuses on whether your medical condition prevents you from sustaining work. A personal injury claim focuses on losses caused by another party, while workers’ compensation covers qualifying job-related injuries or illnesses.

These claims may rely on the same medical records and descriptions of your work limitations. Keeping that information complete and consistent is important. Workers’ compensation benefits may also reduce SSDI payments under federal offset rules.

A personal injury settlement generally does not reduce SSDI simply because you received money. SSDI is based on your covered work history and disability rather than your current assets. However, the settlement documents and statements about your injuries should remain consistent with the information provided to the SSA.

The result can be different for workers’ compensation or certain public disability payments, which may reduce SSDI. A settlement can also affect Supplemental Security Income because SSI has strict income and resource limits. When you work with us, your lawyer will review how a proposed settlement may interact with every benefit you receive.

Your monthly SSDI payment is based primarily on your record of earnings covered by Social Security. The SSA uses your earnings history to calculate your benefit, so two people with the same medical condition may receive different monthly amounts.

The payment isn’t based on the severity of your disability or the cost of your treatment. You can view a personalized disability-benefit estimate through your Social Security account. Certain spouses and children may also qualify for benefits based on your earnings record.

You don’t pay an upfront attorney fee for an initial case review. Under a standard SSA-approved fee agreement, the attorney is paid from your past-due benefits if the claim is successful and produces back pay.

The authorized fee is generally limited to the lesser of 25% of past-due benefits or $9,200. The SSA must approve the fee. Costs for medical records or other case expenses may be handled separately, and different arrangements may apply if a case proceeds beyond the administrative appeals process. Your written agreement will explain all potential fees and expenses before representation begins.

Our Chattanooga SSDI Attorneys

Attorney Richard S. Taliaferro

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Attorney Chris Gentry

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Attorney Katie Reed

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A disabling condition can leave you facing lost income, continuing treatment, complicated paperwork, and an uncertain future. The McMahan Law Firm is ready to help, whether you are preparing your first SSDI application, appealing a denial, or dealing with a serious injury that has changed your ability to work.

As Tennessee’s largest Social Security law firm and Chattanooga’s largest personal injury law firm, we offer one team for your case and your future—with a real Chattanooga office, real lawyers, and real results. Contact us today for a free case review with no upfront cost. We’ll listen to what happened, review your options, and explain what comes next.

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Table of Contents

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Tennessee's Largest SSDI Law Firm

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Combining Disability & Personal Injury Experience

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Table of Contents

Social Security Disability Testimonials

Don’t Face an SSDI Denial Alone—We Can Help!

What Does Social Security Consider When Reviewing Your Claim?

Medical Evidence

Work History

Long-Term Ability to Work and Earn

Do I Qualify For Social Security Benefits?

What Our Clients Are Saying About Us

How Can a Lawyer Help?

How Do You Apply for Disability Benefits in Tennessee?

Collect Personal Information

Gather Medical & Disability Information

Describe Your Recent Work History

Complete the Required Forms

Provide Supporting Documents

What Comes Next in the SSDI Process?

1. Review Your Claim

2. Develop the Evidence

3. File the Application or Appeal

4. Prepare for a Hearing When Necessary

5. Review the Decision and Your Options

One Team for Your Case and Your Future

Are You Struggling With Your Disability Application?

Chattanooga Social Security Disability FAQs

Is My Family Entitled to My Social Security Benefits?

What Should I Do if My SSDI Claim Was Denied?

How Long Do I Have to Appeal an SSDI Denial?

What Medical Evidence Does Social Security Need?

How Does My Work History Affect My Disability Claim?

Can I Qualify if I Can’t Return to My Former Job?

Can I Pursue SSDI and a Personal Injury or Workers’ Compensation Claim?

Will an Injury Settlement Affect My Disability Benefits?

How Is My Monthly SSDI Benefit Calculated?

How Much Does an SSDI Lawyer Cost?

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