1. You Must Have a Qualifying Disability

Your condition must be classified as severe and long-term. Specifically, the SSA requires that:

• The disability prevents you from performing substantial gainful activity (SGA)
• It is expected to last at least 12 months or result in death
• It limits your ability to work, either in your previous job or any other job

The SSA maintains a list of qualifying impairments, but even conditions not listed may qualify if they cause significant work limitations.

2. You Must Have Sufficient Work Credits

SSDI is an insurance program funded by payroll taxes, so you must have earned enough work credits based on your age and employment history. Most applicants need:

• At least 40 work credits total
• With 20 credits earned in the last 10 years before becoming disabled

Generally, one work credit is earned for every quarter (3 months) of work in which you’ve earned a minimum amount of income.

3. You Must Not Be Engaging in Substantial Work

You cannot be earning above the Substantial Gainful Activity (SGA) limit, which changes yearly. For 2025, the SGA threshold is approximately $1,550 per month for non-blind individuals.

If your earnings are above this amount, your application will likely be denied, regardless of your medical condition.

4. Your Condition Must Be Medically Verifiable

To qualify, your disability must be supported by objective medical evidence, such as:

• Diagnoses from licensed healthcare professionals
• Imaging tests, lab results, and treatment records
• Statements from doctors outlining your limitations

Your documentation should clearly show how your condition prevents you from working full-time.

5. You Must Be Unable to Perform Any Type of Work

The SSA evaluates not just whether you can return to your previous job, but also whether you could do any job in the national economy given your age, education, and skill level.

If the SSA determines you can adjust to another form of work, even at a lower pay, your claim may be denied.