SSDI
What Is SSDI and How Do You Apply?
Navigating life after a major health event or chronic condition is hard enough. When work becomes impossible due to disability, understanding your options, especially Social Security Disability Insurance (SSDI), can be a financial lifeline.
If you're unsure what SSDI is or how to apply, you're not alone.
Here’s what you need to know, broken down step by step.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a federal benefit program for people who can no longer work due to a qualifying disability. It provides monthly income to help cover basic living expenses.
To qualify, you must:
Have a disabling medical condition expected to last at least 12 months or result in death
Have worked long enough (and recently enough) to earn sufficient work credits through payroll taxes
If you're approved, SSDI pays you a monthly benefit based on your past earnings; and may also qualify your family members for additional support.
What You’ll Need to Apply
Before applying, gather:
Medical records confirming your diagnosis, treatment, and limitations
Work history for the past 15 years
Contact info for doctors, hospitals, and clinics
Income records (W-2s, tax returns, etc.)
⟐ Tip: The more detailed and organized your documents, the smoother the process.
How to Apply for SSDI
There are three main ways to apply:
1. Online at site
2. By phone: Call the Social Security Administration at 1-800-772-1213
3. In person at your local Social Security office (by appointment)
The application will ask for:
Basic personal information
Details about your condition and treatment
Work and income history
Any education or job training you’ve had
What Happens After You Apply?
Once your application is submitted:
It’s reviewed for basic eligibility
Then sent to your state’s Disability Determination Services (DDS) office for a medical decision
You may be asked to attend a consultative exam with a Social Security-approved doctor
📅 Most decisions take 3–5 months. If denied, you have the right to appeal - and many cases are approved during the appeals process.
Don’t Do It Alone
Applying for SSDI can feel overwhelming but knowing the process (and your rights) can make it easier. Whether you’re applying for yourself or helping a loved one, knowledge is power
If you need help organizing documents, tracking deadlines, or preparing an appeal, consider reaching out to a disability advocate, case manager, or legal aid organization.
Helpful Links:
🔗 SSDI Application Page – ssa.gov