State & federal programs
Social Security Disability Insurance (SSDI)
Federal program providing monthly benefits and eventual Medicare coverage for people with disabilities who have worked and paid Social Security taxes.
SSDI provides cash benefits to workers who become disabled before retirement age. After 24 months on SSDI, recipients automatically qualify for Medicare. Must have sufficient work credits.
Who qualifies
A quick look at who this program is designed to help.
Must have a medical condition that prevents you from working and is expected to last at least 12 months or result in death. Must have earned enough work credits through Social Security taxes (generally 5-10 years of work depending on age). Cannot be earning above the substantial gainful activity (SGA) limit. After 24 months of receiving SSDI, you automatically qualify for Medicare.
Where
Income
Age
Conditions
Insurance
Stage of care
What you'll need
Have these ready before you start the application.
- Social Security number, birth certificate or proof of age, medical records and treatment history, names and contact information for doctors and hospitals, work history for the past 15 years, and most recent W-2 or tax return.
How it works
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. The application requires detailed medical and work history. The process typically takes 3-5 months. You may appeal if denied.
Ready for the next step?
Visit the program’s website for current instructions. Your matches will be here when you return.