What The Program Provides
SSDI provides a monthly payment based on your covered earnings history. It is different from a private disability policy, workers’ compensation, or a VA disability award. An approval under one of those systems does not automatically establish eligibility under Social Security’s rules.
SSDI is not a program for partial or short-term disability. The disabling impairment must have lasted, or be expected to last, at least 12 continuous months or result in death. You do not have to wait until 12 months have passed before applying when the expected duration is supported by the evidence.
Work History And Insured Status
You earn Social Security credits through covered wages or self-employment. The amount of work required depends on your age and circumstances. SSA checks both total work and, where required, recent work. Younger workers can qualify under different credit rules.
Your date last insured is important when disability began after you stopped working. Filing after that date does not automatically defeat a claim, but the evidence generally must establish disability during the insured period. Ask SSA to review your earnings record rather than guessing from the number of years you held a job.
How A Medical Claim Is Evaluated
SSA considers work activity, the severity of medically established impairments, the medical listings, past relevant work, and other work. If you do not meet or medically equal a listing, the evaluation normally continues. SSA then considers what you can still do despite your limitations.
Useful evidence connects treatment findings to everyday work functions: walking, lifting, using your hands, remembering instructions, maintaining concentration, and attending consistently. Describe your limitations accurately, including the assistance or recovery time an activity requires.
Where To Begin
Gather your provider information, medications, work history, and the date your condition began affecting work. Review your Social Security earnings record and keep copies of any notices. Missing records should not become a reason to delay contacting SSA about filing.
If you have limited income and resources, ask about SSI as well. Some people qualify for both programs. Our comparison guide explains the different financial requirements and health-coverage connections.
Sources & Further Reading
General educational information, not legal advice. Social Security determines eligibility.