Applying for Social Security Disability Benefits

When you can no longer work because of a disabling medical condition, you can claim Social Security disability benefits. These benefits provide financial support when you can’t make an income. The application process for disability benefits can be confusing. Most first-time applicants have their claims denied.

Here, we provide important information about how to apply for disability benefits. For more information about applying for disability benefits, talk to a Social Security disability lawyer.

Are You Eligible for Social Security Disability Benefits?

Social Security Disability Insurance (SSDI) is a federal program for disabled workers who can’t earn an income. There are two general requirements for SSDI benefits. First, you have to qualify based on your work history. Second, you must have a qualifying medical condition. A qualifying condition is expected to last more than one year and prevents you from substantial gainful activity.

The Social Security Administration (SSA) or state Disability Determination Services (DDS) determine if you qualify. The Social Security representative reviews medical records from your healthcare provider. Sometimes, the SSA can require an independent medical examination.

How Can You Apply for Social Security Disability Benefits?

To apply for Social Security benefits, you need information about yourself, your employment, and your medical condition. Gather your records and documents so you can provide everything necessary for your claim. This includes:

• Your Social Security number
• Spouse information
• Contact information for people who know about your medical condition
• Workers’ compensation information
• Direct deposit information
• Records related to your medical condition
• Contact information for healthcare providers
• Medical tests and medications
• Prior employment information, including self-employment
• Education and vocational training information

You can apply for disability benefits online or by phone. Visit www.ssa.gov to apply online. You can also apply toll-free at 1-800-772-1213. If you’re deaf or hard of hearing, you can call the TTY number at 1-800-325-0778.

When you call or go online to apply, the SSA will ask questions to determine your eligibility. The application or interview process can take an hour or longer.

The SSA’s disability starter kit provides more information about what you need for your application.

How Much Do You Get in Social Security Disability Benefits?

Your monthly benefit amount depends on your work history and income. Disability payments are based on your average indexed monthly earnings. Generally, the more money you make while working for a longer period, the more you’ll get in benefits. In 2025, the maximum SSDI benefit is $4,018. However, the average disability insurance benefit is about $1,600. You can log into your Social Security account to see how much you will get in benefit payments.

Are Other Disability Benefits Available?

Some disabled workers can get other benefits. Supplemental Security Income (SSI) is for older Americans or disabled people with limited income and assets. There’s no work credit requirement for SSI. If your income falls below the limit and you don’t have many assets, you can claim monthly SSI benefits.

You can also get Medicare health coverage if you have a Social Security disability. There is a 24-month qualifying period before you can start getting Medicare benefits.

Disabled workers may also be eligible for state disability benefits. State income and support benefits depend on where you live. Contact your state benefits office to find out about other disability benefits.

Will My Disability Claim Get Approved?

Unfortunately, most SSDI claims are not approved. According to the SSA, the average approval rate for disability applications is about 21%. That means four out of five people who apply for disability have their claim denied.

Before you apply, make sure you gather all your medical evidence and support information. Double-check your SSDI application to make sure you have provided all the necessary documentation. Contact your local Social Security office if you need help with the application. You can also contact a Social Security disability lawyer for help getting approval.

How Fast Can You Get Disability Benefits?

Disability benefits don’t start immediately. There is a five-month waiting period for SSDI payments. You’ll start getting monthly benefits in the sixth month after your disability begins. For example, if you suffer a medical impairment in June 2025, you can start getting benefits in December 2025.

The application process can take time. The SSA recommends applying for disability benefits as soon as possible after you become disabled.

What Are Your Options if Your Disability Benefits Are Denied?

Most first-time disability applications are denied. However, you can appeal your claim or try to file a new claim. A Social Security disability lawyer can review your case and identify why it wasn’t approved. Your lawyer can gather medical records and supporting evidence to increase your chance of approval. Contact a Social Security disability lawyer for help applying for your disability benefits.