Social Security Disability Insurance (SSDI)
SSDI provides monthly income to individuals who cannot work due to a qualifying disability and have sufficient work history paying into Social Security.
Eligibility Requirements
The following criteria must be met to qualify for this program.
A medical condition that prevents substantial gainful activity (SGA) and is expected to last 12+ months or result in death.
Generally need 40 credits (about 10 years of work), with 20 earned in the last 10 years. Younger workers need fewer credits.
Earning more than $1,550/month ($2,590 if blind) in 2024 generally disqualifies you.
Document Checklist
0/5 gatheredGather these documents before starting your application.
Required
Application Walkthrough
Follow these steps to complete your application. Pay attention to friction-point tips.
Apply online, by phone, or in person
1-2 hoursApply at ssa.gov/applyfordisability, call 1-800-772-1213, or visit your local SSA office.
The online application saves your progress and is the most efficient option. Phone wait times can exceed 60 minutes.
SSA reviews your application
3-6 monthsSSA checks non-medical eligibility (work credits, SGA) before sending to your state Disability Determination Services (DDS).
This initial review takes 3-6 months. About 65% of initial applications are denied — this is normal and does not mean you don't qualify.
Reconsideration (if denied)
3-5 monthsRequest reconsideration within 60 days of denial. Submit additional medical evidence.
Get a detailed letter from your treating physician specifically addressing how your condition prevents you from performing ANY type of work — not just your previous job.
ALJ Hearing (if denied again)
12-18 monthsRequest a hearing before an Administrative Law Judge within 60 days of reconsideration denial.
This is where most approvals happen (about 50% approval rate). Strongly consider hiring an SSDI attorney — they work on contingency (paid from backpay, max 25% or $7,200).