What is SSDI?
Social Security Disability Insurance provides monthly benefits to eligible people whose medical conditions prevent qualifying work. It is funded through Social Security taxes.
How SSDI generally works
SSA reviews both nonmedical eligibility and medical evidence. Submitting an application starts a review; it does not guarantee benefits. Keep copies of your application and any notices.
Your work history matters
For benefits on your own work record, you generally need to have worked long enough and recently enough in jobs covered by Social Security. The number of credits needed depends in part on age.
Medical and disability considerations
SSA looks at how your condition affects work. Adult disability rules generally require limitations expected to last at least 12 consecutive months or result in death. You do not need to wait a year before applying.
Preparing useful information
Gather provider names, treatment dates, work duties, medications, and examples of daily limitations. You can begin an official application through SSA; this website does not file one for you.
General information • Reviewed September 15, 2026. Read the official SSA guidance . Rules and individual circumstances may vary.