Social Security Disability Insurance (SSDI)

Social Security Disability Insurance (SSDI) is a federal disability insurance benefit for individuals who have a qualifying work history of paying Social Security taxes (FICA) but are no longer able to work due to a disability. Administered by the Social Security Administration (SSA), SSDI requires a formal application through the SSA’s Disability (SSD) determination process.

Key Features

  • Based on Work history: Eligibility is determined by your past Social Security tax contributions. Assets and savings are not factored into eligibility.
  • Individually Calculated Benefits: Benefits are calculated based on your Average Indexed Monthly Earnings (AIME). The more you’ve earned and the longer you’ve worked, the higher your benefit.
  • Integrated Medicare Coverage: Medicare eligibility is automatically granted 24 months after your SSDI entitlement begins (the 6th month from the established disability onset date). In practice, Medicare coverage begins approximately 29 months after the onset of the disability.
  • Family Benefits: Spouses, minor children, and other family members may also receive additional benefits based on the beneficiary’s work record.

Eligibility

To qualify for SSDI you must satisfy both the SSA’s strict medical definition of disability and the work credit requirements.

SSA's Definition of Disability

The SSA’s disability standard is very strict. Short-term or partial disabilities do not qualify. All four of the following conditions must be met:

  • Unable to perform SGA (Substantial Gainful Activity): Due to a medical condition, you must be unable to perform work activity that generates earnings of $1,690 or more per month ($2,830 for individuals who are blind). If your earnings meet or exceed this threshold, your application may be denied before your medical condition is even reviewed.
  • Lasting 12 months or more, or expected to result in death: The disability must have lasted — or be expected to last — at least 12 consecutive months, or the condition is expected to result in death.
  • Unable to perform past work or any other work: You must not only be unable to perform your previous work, but also be unable to transition to any other type of work, taking into account your age, education, and work experience.
  • Objective medical evidence required: Objective medical evidence — such as diagnoses, test results, and treatment records from medical sources recognized by the SSA — must support your claim.

Work Credits

To receive SSDI, you must have work income on which Social Security taxes were paid. As of 2026, you earn 1 credit for every $1,890 in earnings, up to a maximum of 4 credits per year. The number of credits required depends on your age at the time your disability begins.

Age at OnsetMin. CreditsDuration of Work TestRecent Work TestNotes
Under 246 credits (1.5 yrs)1.5 yearsWithin 3 yrs before onsetShorter work periods accepted
24–31Half the time worked since age 21Half since age 21Work record since age 21E.g., disability at 27 → 12 credits (3 yrs)
31–4220 credits (within last 10 yrs)5 yearsWithin 10 yrs before onset"At least 5 yrs worked recently"
4422 credits5.5 yearsWithin 10 yrs before onset—
4624 credits6 yearsWithin 10 yrs before onset—
4826 credits6.5 yearsWithin 10 yrs before onset—
5028 credits7 yearsWithin 10 yrs before onset—
5230 credits7.5 yearsWithin 10 yrs before onset—
5432 credits8 yearsWithin 10 yrs before onset—
5634 credits8.5
years
Within 10 yrs before onset—
5836 credits9
years
Within 10 yrs before onset—
6038 credits9.5
years
Within 10 yrs before onset—
62 or older40 credits (max)10 years (max)Within 10 yrs before onsetSame as retirement eligibility

* Special Rule for Blindness: Individuals who meet the definition of Statutory Blindness are only required to satisfy the Duration of Work Test without needing to meet the Recent Work Test.

Supplemental Security Income (SSI)

SSI is a supplemental living assistance program operated separately from SSD, and it is based on financial need rather than work history. However, since the SSA reviews eligibility for both SSDI and SSI simultaneously when you apply for SSD, you may receive SSI benefits through the SSD application process in the following cases:

  • If you are receiving SSDI but the amount is low enough to meet the SSI income criteria (2026 FBR $994/month) and your assets are below $2,000 (individual) / $3,000 (couple): You can receive both benefits at the same time (Concurrent Benefits). The actual SSI payment amount will be reduced based on your SSDI benefit amount.
  • If you lack enough work credits to qualify for SSDI, but your disability is recognized and you meet the income and asset criteria: You may be eligible for SSI alone.
  • If you are 65 or older and meet the income and asset criteria, regardless of whether you satisfy the SSDI work history requirements: You may be eligible for SSI.
  • If you are a child under the age of 18 with a recognized disability and meet the household income and asset criteria: You may be eligible for SSI alone, and no parental work history is required.

*For SSI eligibility criteria (income calculation methods, excluded asset items, etc.) and detailed information, please refer to the SSI page.

Check My Benefits

How to Apply

  • Apply for Social Security benefits
  • AWCA provides counseling free of charge (201-862-1665(201-862-1665 / info@awcanj.org).

Contact

  • AWCA provides counseling free of charge (201-862-1665(201-862-1665 / info@awcanj.org).

Resources