SSDI Eligibility Calculator 2025

Check if you qualify for Social Security Disability Insurance

Free to use
Instant results
2025 updated

Check Your SSDI Eligibility

Fill out the form below to see if you qualify for SSDI benefits.

Must be between 18 and 65 years old

Must have worked for at least 5 years to qualify

Must be below Substantial Gainful Activity (SGA) limit

Must have a severe disability that prevents substantial work

Your information is never stored or shared

About SSDI Benefits

What is SSDI?

Social Security Disability Insurance (SSDI) is a federal program that provides monthly cash benefits to people who are unable to work due to a severe disability that is expected to last at least one year or result in death.

  • Based on work history and Social Security taxes paid
  • Monthly cash benefits for disabled workers
  • Benefits for dependent family members
  • Automatic Medicare eligibility after 24 months
  • Can be combined with other benefits

Eligibility Requirements

To qualify for SSDI, you must meet several requirements:

  • Work Credits: Sufficient work history and Social Security taxes paid
  • Disability: Severe medical condition that prevents substantial work
  • Duration: Condition expected to last at least 12 months
  • Age: Between 18 and 65 years old
  • Income: Below Substantial Gainful Activity (SGA) limit

2025 SSDI Limits

SSDI has specific limits and requirements. For 2025:

$1,550

Substantial Gainful Activity (SGA) Limit

$1,550

Blind SGA Limit

5 Years

Minimum Work History Required

Frequently Asked Questions

How many work credits do I need for SSDI?

The number of work credits needed depends on your age when you become disabled. Generally, you need 20 credits in the last 10 years ending with the year you become disabled. Younger workers may need fewer credits.

Can I work while receiving SSDI?

You can work while receiving SSDI, but your earnings must stay below the Substantial Gainful Activity (SGA) limit. In 2025, this is $1,550 per month for non-blind individuals.

How long does it take to get approved for SSDI?

The SSDI application process typically takes 3-6 months for initial decisions. If you need to appeal a denial, the process can take 1-2 years or longer.

What medical conditions qualify for SSDI?

SSDI covers any severe medical condition that prevents substantial work, including:

  • Physical disabilities and chronic conditions
  • Mental health conditions
  • Neurological disorders
  • Cancer and other serious illnesses