Millions of Americans living with severe medical conditions might be eligible for monthly payments through the Social Security Disability Insurance (SSDI) program.
This federal assistance, managed by the Social Security Administration (SSA), is available for individuals who can no longer work due to a qualifying disability or legal blindness.
Eligibility Criteria for SSDI in 2025
To qualify for SSDI benefits in 2025, applicants must meet two essential requirements:
- Medical Condition: The individual must have a condition that significantly impacts their ability to work for at least one year or that is expected to result in death.
- Work History and Social Security Contributions: Applicants must have worked long enough and contributed to the Social Security system.
The amount of benefits an individual receives depends on their work history and previous earnings.
Who is Eligible for SSDI Benefits?
You may qualify for Social Security Disability benefits if you meet the following criteria:
- You suffer from a disability or legal blindness that prevents you from working for at least one year, or one that is expected to result in death.
- You have accumulated sufficient work history, typically having worked for at least 5 out of the last 10 years.
Young workers under age 24 might be able to qualify with less work experience. To check your eligibility, sign in to the SSA website at ssa.gov and review the “More Benefits” section.
2025 Income Limits for Work Activity
If you’re applying for SSDI benefits and are still working, your earnings must remain below the Substantial Gainful Activity (SGA) threshold. The limits for 2025 are as follows:
| Category | Monthly Earnings Limit |
|---|---|
| Disabled | $1,620 |
| Legally Blind | $2,700 |
If you’re self-employed, different rules apply.
What Do SSDI Benefits Include?
Once you’re approved for SSDI, you may receive the following:
- Monthly payments based on your previous earnings
- Medicare coverage which starts automatically two years after your entitlement to disability benefits. A welcome package will be sent to you three months before your Medicare coverage begins. If you do not want Part B (medical insurance), you can opt out.
Medicare Eligibility Rules for Certain Medical Conditions
Some medical conditions allow for accelerated Medicare eligibility, including:
- End-Stage Renal Disease (ESRD): People with ESRD may qualify for Medicare the month they start at-home dialysis, receive a kidney transplant, or three months after beginning outpatient dialysis.
- Amyotrophic Lateral Sclerosis (ALS): Individuals diagnosed with ALS automatically become eligible for Medicare as soon as they are approved for SSDI benefits.
Additional Benefits for Family Members
If you are receiving Disability benefits, your spouse, ex-spouse, or children may also be eligible for Family Benefits. These benefits can help increase the overall income for your household.
Can You Get More with SSI?
If you have limited income and resources, you may also be eligible for Supplemental Security Income (SSI), which can provide additional monthly payments of up to $967. It’s possible to receive both Disability and SSI benefits if you meet the criteria.
If you decide not to apply for SSI when filing for Disability, the SSA will inform you that you are not eligible for SSI, but this will not impact your SSDI application.
What You Must Report While Receiving Disability Benefits
To avoid delays or issues with your payments, it’s crucial to promptly report any significant changes in your circumstances. Here is a breakdown of what you need to report:
| Change | Why It Matters |
|---|---|
| Changes in work status or income | May impact eligibility or benefit amounts |
| Significant improvement in medical condition | Could affect your disability status |
| Changes to direct deposit account | Ensures timely receipt of payments |
| Updates to contact information | Allows SSA to send important documents and updates |
| Citizenship or immigration status | Required to maintain compliance with federal regulations for benefit programs |
Understanding the Social Security Disability Insurance (SSDI) program is essential for anyone dealing with a disabling condition. By meeting eligibility criteria and staying updated on reporting requirements, you can ensure a smoother application process and continued support.
Additionally, special provisions for Medicare and family benefits can further assist in securing the financial stability you need. If you’re unsure of your eligibility, visit the SSA website or consult with an expert to guide you through the process.
FAQs
How do I apply for SSDI?
You can apply through the Social Security Administration (SSA) website or visit a local SSA office for assistance.
How much SSDI will I receive?
The amount depends on your previous work history and earnings. You can use the SSA’s online calculator to estimate your benefits.
How long does it take to get approved for SSDI?
The approval process can take several months, depending on the complexity of your case and the SSA’s workload.
Can I work while receiving SSDI?
Yes, but your earnings must remain below the Substantial Gainful Activity (SGA) limit to continue receiving benefits.