Sam
If you are 60 years old and suffering from a medical condition that prevents you from working, applying for Social Security Disability Insurance (SSDI) benefits can feel overwhelming.
The process can be challenging, but with the right steps and documentation, your chances of approval can improve.
Eligibility for Social Security Disability Benefits
To qualify for Social Security Disability benefits, you must have a physical or mental impairment that is severe enough to prevent you from working in your current or past job for at least a year.
There are no benefits available for partial disability, meaning that if you are able to work part-time and earn above a set amount—$1,620 per month ($2,700 if you are blind) in 2025—your application will likely be denied.
How Your Work History Affects Your Application
Your work experience, education, and skills also play a significant role in the approval process. If the Social Security Administration (SSA) believes you could still perform a less physically demanding job, your claim might be rejected.
You can use the SSA Benefit Eligibility Screening Tool at SSAbest.benefits.gov to help determine if your medical condition meets the criteria for benefits.
Steps to Apply for SSDI Benefits
The application process for SSDI benefits involves organizing personal, financial, and medical information. You can apply online at SSA.gov/disability or contact your local Social Security office to schedule an appointment. Alternatively, a representative can assist you over the phone.
Once you apply, it typically takes six to eight months to receive a decision. However, certain conditions that qualify for a “compassionate allowance” can fast-track approval within weeks.
If your initial application is denied, you have the option to appeal, and approximately 50% of appeals result in the approval of benefits.
Can a Representative Help You?
It is advisable to hire a representative if your case involves a complex condition, such as chronic pain. A representative can assist in navigating the paperwork and may increase your chances of success.
If your disability is obvious, it may be beneficial to start the application process on your own to avoid the cost, and then hire a representative if necessary.
Hiring a Representative
A representative can only charge up to 25% of past-due benefits, with a maximum fee of $9,200 if they win your case.
You can find a representative through organizations like the National Organization of Social Security Claimants’ Representatives (NOSSCR) or National Association of Disability Representatives (NADR). If you’re low-income, free assistance is available through the Legal Services Corporation.
Applying for Social Security Disability benefits can be difficult, but it is possible to increase your chances of approval by ensuring you meet all eligibility requirements and following the correct application steps.
If necessary, seek assistance from a representative who specializes in SSDI claims, and be prepared to appeal if your initial application is denied.
FAQs
What are the key eligibility criteria for SSDI benefits?
To qualify for SSDI benefits, you must have a severe medical condition that prevents you from working for at least one year. You also cannot earn more than a certain income limit, which is $1,620 per month in 2025 ($2,700 if blind).
How long does it take to get a decision on my SSDI application?
It generally takes six to eight months from the time you submit your application to receive a decision. However, some conditions may qualify for fast-track processing through a compassionate allowance.
Can I appeal if my SSDI application is denied?
Yes, if your SSDI claim is denied, you can appeal the decision. About 50% of appeals are successful, though the process can take an additional eight to 10 months or longer.