Social Security Disability Insurance
A federal insurance program that provides monthly income to workers who become disabled and can no longer engage in substantial gainful activity, funded through payroll taxes (FICA).
Eligibility requires: a qualifying disability expected to last 12+ months or result in death; sufficient work credits (typically 40 credits, with 20 earned in the last 10 years).
There is a mandatory 5-month waiting period from the onset of disability before benefits begin.
After 24 months of SSDI, you automatically qualify for Medicare.
Average 2025 SSDI monthly benefit: approximately $1,580.
→ Use BenefitKarma's SSDI Filing Success Score to assess your claim readiness before filing.
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Frequently asked questions about Social Security Disability Insurance
What is Social Security Disability Insurance?+
A federal insurance program that provides monthly income to workers who become disabled and can no longer engage in substantial gainful activity, funded through payroll taxes (FICA). Eligibility requires: a qualifying disability expected to last 12+ months or result in death; sufficient work credits (typically 40 credits, with 20 earned in the last 10 years).
Who qualifies for Social Security Disability Insurance?+
Adults under full retirement age who have a qualifying medical condition expected to last 12+ months and who have earned enough recent work credits.
How do I apply for Social Security Disability Insurance?+
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. There's no cost to apply.
Where can I get help?+
Run the SSDI Filing Success Score to check your readiness, then the SSDI Benefit Estimator to size up your monthly payment. Local Social Security field offices can also help you apply at no cost.