Applying for Social Security Disability Insurance (SSDI)

If you're struggling to work because of a disability, Social Security Disability Insurance (SSDI) was created to provide financial relief to help cover your living expenses and medical costs.

Written by the team at Allsup. Allsup is the nation's most experienced and trusted Social Security Disability Insurance representative.

SSDI is a federal program overseen by the Social Security Administration (SSA) and designed to help people who can't work due to severe health conditions. 

How do you qualify? The SSA looks at medical and work history to determine who qualifies for SSDI benefits. Generally, to qualify for SSDI you must: 

• Be between 21 and full retirement age. 
• Have worked at least five of the last 10 years and paid FICA taxes during that time. You typically need 20 credits from the past 10 years if you’re over 30.  
• Be unable to work in any capacity because of a mental or physical impairment that’s expected to last at least 12 months or result in death. 
• Be under the care of a healthcare professional who can confirm the severity of your medical condition(s). 

What’s involved with applying for SSDI? You have several options for applying for SSDI. The most effective approach is working with an experienced representative. Using a representative can increase your approval chances by 50% and can reduce your wait time significantly, often by months or even years. If you choose to apply on your own, you can do so at the SSA website, by calling the SSA directly or by visiting a local SSA office in person. 

What information is required? Having thorough, up-to-date documentation is crucial for a successful application. When applying, you'll need to provide personal information such as: 

• Social Security number and birth date. 
• Complete medical records including diagnoses and treatment history from all your doctors. 
• Detailed work history for the past five years. 
• Financial information about other benefits you receive.  
  
  

What happens after my application gets filed? After submitting your application, an initial decision can take up to 8 to 10 months. The majority of initial applications are denied (62% in 2024) due to insufficient medical evidence or incomplete information. Working with a trusted representative will ensure the SSA gets the information they need to make an informed decision on your case. 

The SSDI application process can feel overwhelming, but with proper preparation and support, it's manageable. Understanding the requirements and having complete documentation is critical, and working with an expert l gives you the best chance of success. Consider working with our preferred collaborator Allsup to navigate the process more effectively and increase your likelihood of approval, while reducing stress during this challenging time.