If a medical condition prevents you from working, Social Security disability benefits could provide monthly income and healthcare coverage. The process can feel overwhelming, but understanding the basics is the first step toward getting the help you need.
SSDI vs. SSI: What Is the Difference?
Social Security offers two disability programs, and many people confuse them. SSDI (Social Security Disability Insurance) is for people who have worked and paid Social Security taxes. SSI (Supplemental Security Income) is for people with limited income and resources, regardless of work history.
Who Qualifies?
To qualify for either program, the SSA must determine that you have a medical condition that:
- Prevents you from doing substantial gainful activity (SGA)
- Has lasted or is expected to last at least 12 months, or result in death
- Is documented by medical evidence from acceptable sources
You do not have to be completely unable to work. The SSA looks at how your condition limits the type and amount of work you can do. You can earn up to $1,620/month and still qualify for SSDI in 2026.
Common Qualifying Conditions
- Back injuries, joint disorders, and chronic pain
- Anxiety, depression, PTSD, and other mental health conditions
- Heart disease, COPD, and respiratory conditions
- Diabetes, cancer, and autoimmune disorders
- Vision or hearing loss
- Neurological conditions including MS, epilepsy, and neuropathy
How to Apply
Step 1: Gather your medical records, work history, and contact information for your doctors.
Step 2: Apply online at ssa.gov, call 1-800-772-1213, or visit your local Social Security office.
Step 3: Wait for a decision (typically 3-6 months for initial review).
Step 4: If denied, file an appeal. Over 50% of appeals are successful, especially with legal representation.
Working With a Disability Attorney
Most disability attorneys work on contingency — they only get paid if you win. Fees are capped at 25% of back pay or $7,200, whichever is less. An attorney can help gather medical evidence, prepare for hearings, and navigate the appeals process.
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Relief Resource Center may receive compensation when you use links or tools on this page. All programs listed are subject to eligibility requirements and availability. This page is for informational purposes only and does not constitute legal, financial, or medical advice.