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An individual does not need to have worked enough to have accumulated work credits to be awarded SSI. Q: How long does a claim take? A: If all the required paperwork is submitted and filled out correctly, the average time for a claim to be initially reviewed is 90 days. The most common reason an application is delayed is due to a wait for medical records. Assuring that your claims representative has all the required information is key to avoiding delays. If your application was denied social security disability benefits after the first review step, your next steps would be filing for reconsideration and, eventually, an appeal for a hearing.