If you are trying to figure out how to get financial help for your recent disability or serious medical condition, applying for Social Security Disability Insurance (SSDI) is a good place to start. However, before you begin with the process, it is important to learn how SSDI works and if your condition meets the program’s qualifications.
Here are three commonly asked questions about SSDI:
What is SSDI and how can I qualify?
SSDI is a government program that provides monthly disability payments to people who cannot work due to a severe disability or medical condition. To apply for SSDI, you need to gain a certain amount of employment credits and:
- A disability that is expected to last for at least a year or
- A terminal illness that is expected to result in death
Your eligibility must also entail that your condition makes you incapable of working or performing a substantial gainful activity (SGA). For the year 2025, the Social Security Administration’s SGA earning limits are at $1,620 per month (non-blind people) and $2,700 per month (blind people).
This means that if you are earning more than the monthly SGA limit, you are not eligible for SSDI.
When can I apply?
The Social Security Administration recommends applicants to submit their SSDI applications online, in person or over the phone as soon as they develop their disability. Although each case is unique, the average application process can take anywhere between three to six months.
In case you receive a denial letter on your SSDI application, do not feel discouraged. Most people get a denial letter after their first application. You can try again by filing your appeal within the required 60-day deadline.
What type of medical records can I submit?
Submitting comprehensive medical evidence that shows how your disability or medical condition affects your ability to work is crucial in getting a successful SSDI application. These include:
- Your condition’s recorded onset date
- Your diagnostic test results
- Your medication list
- Your full record of treatment from your healthcare providers
- Your doctor’s opinion about your condition and its specific limitations
It is important to have ongoing records of your treatments, as having gaps in them can affect your SSDI application. You may also add mental health evaluations if it applies to your condition.
Reaching out for help is not a sign of weakness
Applying for SSDI can feel challenging when you are already struggling with your health condition and employment situation. If you need assistance, your family, friends, disability advocates and legal counsel can all become your helping hand at reach.
