Applying for Social Security Disability Insurance (SSDI) can be overwhelming, especially when you’re also managing a serious medical condition.
However, understanding the process and preparing thoroughly can significantly boost your chances of success. Here are five critical strategies to help you get your application approved.
1. Know the Eligibility Requirements
To receive SSDI benefits, you must meet both work credit and disability criteria.
Work Credit Requirements
You must have worked long enough in jobs covered by Social Security. In 2025, you earn one credit for every $1,810 earned per quarter, up to four credits per year.
Generally, you need 40 credits (10 years of work), including 20 earned in the last decade. Younger applicants may qualify with fewer credits, depending on their age at the time of disability.
Social Security’s Definition of Disability
SSDI is only available for total disability. You must have a medical condition that:
- Prevents work at a substantially gainful activity (SGA) level (over $1,620/month, or $2,700 if blind)
- Limits basic work tasks like sitting, walking, lifting, or remembering for at least 12 continuous months
- Appears on the SSA’s list of impairments
If your condition isn’t listed, you must demonstrate:
- You can’t perform past work
- You’re unable to do any other gainful work, based on your age, education, training, and experience
2. Keep Thorough and Organized Medical Records
Building a strong case for SSDI requires extensive medical documentation. When submitting your application, include:
- Names and contacts of doctors and clinics
- Medical test results
- Prescribed medications
- Workers’ compensation claims, if any
You should also document how your condition affects your daily life and ability to work—note dates, symptoms, and specific limitations.
Even after approval, continue to maintain updated records. The SSA reviews your disability status periodically, and these documents will help preserve your benefits.
3. Review Your Application for Accuracy
Incomplete or incorrect information can lead to automatic denial. Review your application to ensure every required detail is included. Apart from medical information, you must provide:
- Full name, Social Security number, and birth details
- Work history for the past five years
- Marriage and divorce dates and locations
- Details of any children who may qualify for benefits
- Banking information for direct deposits
Be honest and thorough—false statements can result in immediate disqualification.
4. Consider Hiring a Representative
You have the legal right to appoint a representative, such as an attorney or trained non-attorney, to help with your SSDI claim.
They can assist with:
- Accessing your Social Security file
- Collecting and submitting medical evidence
- Representing you during interviews or hearings
- Filing appeals, including hearings and court actions
All representatives must submit a fee agreement to the SSA. They’re only allowed to charge you what the SSA approves.
5. Prepare for the Appeals Process
If your initial application is denied, don’t give up. You have four levels of appeal:
a. Reconsideration
You have 60 days to request a review by another DDS examiner.
b. Hearing with an Administrative Law Judge (ALJ)
Present evidence, bring witnesses, and attend in person, online, or by phone.
c. Appeals Council Review
Submit a written request and additional documentation for reconsideration.
d. Federal Court Action
File a civil suit within 60 days. At this stage, having a lawyer is critical.
Throughout this process, continue collecting and submitting new evidence. Appeals without new documentation are rarely successful.
Navigating the SSDI application process can be challenging, but taking the right steps can significantly improve your chances.
Verify eligibility, maintain detailed medical records, submit complete and honest paperwork, and don’t hesitate to seek professional help. If denied, be ready to appeal with strong supporting documentation.
Taking a proactive approach and understanding the system puts you in the best position to receive the disability benefits you deserve.
FAQs
Can I qualify for SSDI with a partial disability?
No, SSDI only covers total disabilities that prevent you from working for at least 12 consecutive months.
How long does it take to get approved for SSDI?
The process can take 3–6 months for initial decisions. Appeals may extend the timeline significantly.
Will hiring a representative guarantee approval?
While not guaranteed, a qualified representative can improve your chances by ensuring accurate filing and presenting a strong case.