Social Security Disability Insurance, or SSDI for short, is a program that millions of Americans get assistance from every year. However, many more people apply for SSDI benefits than actually receive it, because they do not meet the requirements to qualify for the program. But who exactly can qualify for SSDI benefits, and how do you know if you qualify?
What is SSDI?
SSDI is a program that gives financial assistance to people who are unable to work or handle daily tasks due to a disability. This includes both people with severe physical conditions, such as blindness or paralysis, as well as people with debilitating psychological issues like schizophrenia or major depression. Notably, SSDI is only for people who have previously worked and earned an income, allowing them to earn something known as “work credits.”
What Are the Requirements for SSDI?
To qualify for SSDI, you must meet a handful of specific requirements. First, you must have a physical or psychological disability that cannot be managed through medical treatment or therapy. Second, you must earn a certain number of work credits, depending on your age, which you earn by obtaining an income and paying Social Security taxes. Third, you must not make above a specific income limit, which is $1,620 in 2025.
What Happens if You Do Not Meet SSDI Requirements?
If you do not meet one or more of these requirements, your application for SSDI benefits will likely be denied. However, that does not mean that you do not have options, and will be unable to get disability benefits. For example, you may still be able to qualify for Supplemental Security Income (SSI), which has somewhat different requirements.
What Should You Do?
If you are suffering from a serious physical or psychological disability and can no longer work, you may be entitled to SSDI benefits. However, to know how best to handle this situation, you should speak to a lawyer with experience handling disability law matters. They can help you apply for benefits, and argue on your behalf if your application is denied and you need to appeal.
If you or a loved one need assistance applying for SSDI or SSI benefits, it is important that you seek the guidance of an experienced Social Security Disability benefits lawyer. The lawyers at Sullivan & Kehoe, LLP have over 50 years of combined experience between its attorneys and are available to you or your loved one in obtaining Social Security Disability or Supplemental Security Income benefits. To schedule a consultation with our New York Social Security Disability benefits lawyers, call (631) 823-7155.
