Learn how SSDI supports individuals with work histories who can no longer work due to disabilities.

Section 2: Social Security Disability Insurance (SSDI) - Financial Security for Disabled Workers

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What is SSDI?

Social Security Disability Insurance (SSDI) is a federal program providing monthly benefits to individuals who have a history of employment but are unable to continue working due to a disabling condition. SSDI is not based on financial need but rather on your work history and medical eligibility.

Types of Disabilities Covered by SSDI

SSDI covers a wide range of physical and mental disabilities, including but not limited to:

  • Musculoskeletal Disorders: Severe back, joint, or bone injuries.
  • Neurological Conditions: Stroke, epilepsy, Parkinson’s disease, or traumatic brain injuries.
  • Cardiovascular Issues: Chronic heart conditions or heart failure.
  • Mental Health Conditions: Depression, anxiety disorders, PTSD, or bipolar disorder.
  • Chronic Illnesses: Cancer, autoimmune diseases, or diabetes-related complications.

Note: Disabilities must be expected to last at least 12 months or result in death to qualify under SSDI guidelines.

Requirements and Eligibility for SSDI

To qualify for SSDI, you must meet these conditions:

  1. Work Credits: You need sufficient work history, which typically requires working at least five of the last 10 years.
  2. Severe Disability: Your condition must prevent you from performing “substantial gainful activity” (SGA).
  • SGA for 2023 is defined as earning more than $1,470 per month.
  1. Medical Documentation: You must provide clear evidence of your diagnosis and its impact on your ability to work.

Limitations and Challenges of SSDI

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Strict Medical Criteria



Conditions must meet or equal the SSA’s Listing of Impairments.



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Lengthy Approval Process

Initial claims can take 3-6 months, and many are denied on the first application.

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Income and Work Limits



Certain work activities during your claim can disqualify you from receiving benefits.

Ready to Apply for SSDI?

Filing for SSDI benefits can be complex, but you don’t have to face it alone. Our team is here to help. Call (781) 251-0100 or schedule your consultation online to get started.