What is SSDI and How Do You Qualify?

Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to individuals who are unable to work due to a long-term or permanent disability. Unlike Supplemental Security Income (SSI), which is need-based, SSDI is based on your work history and the Social Security taxes you’ve paid over time.

What is SSDI?

SSDI offers monthly benefits to disabled individuals who have worked and paid into the Social Security system through payroll taxes. If you qualify, you may also be eligible for Medicare coverage after a 24-month waiting period from the date your disability benefits begin.

In short, SSDI is an insurance program—you earn your coverage by working.

How Do You Qualify for SSDI?

To be approved for SSDI benefits, you must meet two key criteria:

1. You Must Have a Qualifying Disability

The Social Security Administration (SSA) defines disability very specifically. You must have a condition that:

• Prevents you from performing substantial gainful activity (SGA)—meaning you can’t earn more than a certain monthly amount (as of 2025, about $1,550/month for non-blind individuals).
• Is expected to last at least 12 months or result in death.
• Prevents you from doing any type of work, not just your previous job.

SSA maintains a list of medical conditions that automatically qualify for disability if certain criteria are met, but even if your condition is not on the list, you may still qualify if it severely limits your ability to work.

2. You Must Have Worked Long Enough and Recently Enough

SSDI is based on your work credits. You earn these credits by working and paying Social Security taxes. Most people need:

• 40 work credits, with 20 earned in the last 10 years, ending in the year you became disabled.
• In 2025, you earn one credit for every $1,730 in wages or self-employment income, up to four credits per year.

If you’re younger, the number of required credits may be lower because you haven’t had as much time to build a work history.

What Happens After You Apply?

Once you submit your SSDI application, the SSA will:

1. Review your work history.
2. Evaluate your medical condition.
3. Possibly request additional documentation or a medical exam.

Unfortunately, most initial applications are denied, often due to incomplete paperwork or lack of medical evidence. That’s why many people choose to work with an attorney who understands how to present a strong case and handle appeals if needed.

Need Help with SSDI?

Applying for SSDI can be overwhelming, especially when you’re already dealing with a serious health issue. At Estate and Elder Planning, LLC, we DO NOT help clients with SSDI but we can refer to other attorneys who can help you navigate the application and appeals process, ensuring you have the best chance of securing the benefits you deserve.

Disclaimer

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