If you’re considering applying for Social Security Disability Insurance (SSDI), understanding the eligibility requirements is the first step in the process. SSDI provides benefits to those who are unable to work due to a disability. To qualify, you need to meet specific criteria set by the Social Security Administration (SSA).
Work history requirements
To be eligible for SSDI, you must have worked and paid Social Security taxes for a certain number of years. The amount of work needed depends on your age when you become disabled. Typically, you need to have worked for at least five years in the past 10 years. This work history is crucial because it ensures you’ve paid into the system and contributed to the trust fund that funds SSDI benefits.
Disability requirements
The SSA requires that your disability is severe enough to prevent you from performing any substantial work. This means your condition must either be expected to last for at least one year or result in death. Disabilities can be physical, mental, or a combination of both. The SSA uses a strict evaluation process to determine if your condition meets their definition of disability. This involves considering medical records, doctors’ opinions, and how your disability limits your ability to work.
Work activity limitations
The SSA also looks at your ability to perform any “substantial gainful activity” (SGA). If you’re earning above a certain monthly amount from working, you may not qualify for SSDI. For 2025, the SGA threshold is $1,620 per month for non-blind individuals and $2,700 for blind individuals. If you’re earning more than this amount, the SSA may determine that you’re capable of working and not eligible for SSDI.
Medical condition documentation
One of the most significant eligibility factors is providing sufficient medical evidence. Your disability must be documented by your healthcare providers, and the records must clearly demonstrate that you can no longer work due to your condition. The SSA reviews this information carefully, so it’s essential to have accurate and comprehensive medical documentation to support your claim.
You must meet these requirements to qualify for SSDI benefits. Understanding these criteria and preparing your application with the right information can increase your chances of approval.