Social Security Disability Insurance (SSDI) provides monthly income to individuals who are unable to work due to a qualifying disability. Suppose you’ve worked and paid into Social Security over the years but are now unable to earn a living due to illness or injury. In that case, SSDI may be able to help.

What Is SSDI?

SSDI is a federal program that provides financial support to individuals with a medical condition that prevents them from working and is expected to last at least one year or result in death. Benefits are based on your past work history and the amount you’ve paid into Social Security.

Who Qualifies for SSDI?

• Work History: You must have earned enough work credits by working and paying Social Security taxes.
• Qualifying Medical Condition: Your condition must meet the Social Administration’s definition of a disability.
• Inability to Work: You must be unable to do your past work or adjust to other work because of your condition.

Examples of Qualifying Conditions

• Chronic illnesses like cancer, heart disease, or autoimmune disorders
• Severe back injuries, neurological disorders, or stroke recovery
• Mental health conditions such as severe depression, schizophrenia, or PTSD
• Cognitive or physical impairments that significantly limit function

How to Apply for SSDI

• Online at SSA.gov – Fastest option for many applicants
• By Phone or In Person – Schedule an appointment through your local Social Security office
• Required Documents: Medical records, proof of work history, and details about your condition

Tips for Navigating the SSDI Process

• Be Detailed in Your Application: Describe how your condition affects your ability to work and daily life
• Prepare for a Waiting Period: The application process can take months; some applicants are initially denied and need to appeal
• Seek Help if Needed: A disability advocate or case manager can assist with paperwork and appeals

SSDI vs. SSI: What’s the Difference?

• SSDI: Based on work history and Social Security contributions
• SSI: Needs-based program for individuals with little or no income or work history

Need Help Understanding SSDI?

LumaLink provides instant, personalized guidance to help you explore SSDI eligibility and navigate the application process.

Chat with Luma now via voice call or text chat for tailored disability income guidance, application support, and trusted resource referrals.

Get the support you deserve. Chat with Luma today.

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