DisabilityJanuary 15, 20259 min read
SSDI Benefits Guide 2025: Social Security Disability Insurance
SSDI provides monthly cash benefits to workers who can no longer work due to a severe long-term disability. Learn how eligibility works, what SGA means, how to qualify with work credits, and how to file and appeal.
SSDI Eligibility
- Severe medical condition expected to last at least 12 months or result in death
- Insured status with sufficient work credits
- Unable to engage in Substantial Gainful Activity (SGA)
SGA and Work Credits
The 2025 SGA limit is approximately $1,550/month for non-blind individuals. Work credits depend on age and recent work history; most adults need 20 credits from the last 10 years.
How to Apply
Application Steps
- Apply online at ssa.gov or by phone
- Prepare medical records and work history
- Complete function reports and questionnaires
- Cooperate with consultative exams if requested
Appeals
- Reconsideration → ALJ hearing → Appeals Council → Federal court
- Strict deadlines (typically 60 days)
- Consider representation for complex cases
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