How does it work?

SSDI works similarly to an insurance program—hence its name. This program’s intention is to support people who have a qualifying work history and become disabled. You can liken SSDI to an insurance policy. In other words, if you are unable to perform your job, you can apply to receive SSDI benefits. To receive the benefit, applicants will have had to work for a specific period of time, paying into a Social Security Trust Fund through payroll taxes. In addition, applicants may also need to meet the following SSDI prerequisites.

Keep in mind that the decision is based on a case by case review. You may not have to meet ALL of the below. This is why you should contact us to further review your situation.

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Your Age

You are between the ages of 50-64 years.

You're Disabled

You can no longer do the type of work you did before.

Work History

You have worked five out of the last ten years.

You Cannot Work

You cannot return to any previous work that you have done in the past.

Medical Reasons

You are unable to perform basic activities needed for work, including sitting, standing, and walking.

Other Types of Jobs

There may be other jobs you are capable of performing. This will also be taken into consideration.

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Your age can give you an advantage...

Generally speaking, older workers get a break in the grid in that even if they may be physically capable of performing at some functional capacity, they may not be required to adjust to a new type of work and may be eligible for Social Security Disability. For example, workers between the age of 50 and 54 may be able to collect disability benefits even if they can perform sedentary labor; those 55 to 59 could be eligible even if able to perform light work; and, in some circumstances, those age 60 to age 64 may be able to collect Social Security Disability even if able to perform up to medium work.

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Confused about Social Security Disability Insurance (SSDI)?