When a disability keeps you from working for more than a year, SSDI payments can provide significant financial relief. However, strict criteria established by Social Security must be met.
Consequently, only those who qualify will be eligible to receive SSDI payments in 2025. Simply having a qualifying disability may not suffice. It’s important to note that you must have contributed enough taxes to Social Security.
Two key requirements for SSDI
The first requirement relates to a medical condition that hinders your ability to work for over a year. The second involves the number of work credits you need when applying for SSDI.
This requirement varies with age; generally, the older you are, the more Social Security credits you will need. Nonetheless, securing approval may be simpler if you are nearing retirement.
You can apply for SSDI through the official website of the Social Security Administration. This online application allows you to complete the process at your convenience without needing to visit a local office, thereby avoiding wait times for appointments.
Who qualifies for SSI and SSDI?
To qualify for Supplemental Security Income and Social Security Disability Insurance benefits, you must have a low income. This implies that your SSDI payment must also be limited.
Additionally, you must comply with the resource limits. Thus, if your Disability Insurance payment is insufficient to cover your expenses, you might also be eligible for SSI.
Steps to apply for both benefits:
Go to the SSA’s website at https://www.ssa.gov/applyfordisability/index.htm?tl=1. After reviewing all the information, scroll down and click on “Apply for Disability”. Make sure to check the box if you understand and agree to the terms provided.
Then, click on “Next”. Read the information carefully and select “Start a New Application.” Confirm whether you are applying for yourself or on behalf of someone else. Do you have a “my Social Security” online account?
Having an account will be crucial if you wish to apply for SSI and SSDI online. Setting one up is free and easy. Once logged in, complete the online application. You can save your progress to return later. After filling everything out, review it thoroughly before submitting.
