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    SSDI Application Readiness Score

    Am I ready to apply for SSDI? Answer a few questions and get a readiness score with the factors that may matter.

    Free · No account needed · Private · About 2 minutes

    SSDI Application Readiness Score illustration

    How it works

    1. 1

      Answer a few questions

      Tell us about your work, your health and your records.

    2. 2

      Get your score

      We look at common readiness factors and give you a score.

    3. 3

      See what to work on

      Get a short list of steps that may make your claim stronger.

    What you get

    • A readiness score from your answers
    • The factors that may help or hurt your claim
    • A short action plan before you apply
    • Links to the right next tool

    What this tool does

    • • Looks at common SSDI readiness factors
    • • Points out gaps you may want to fix first
    • • Helps you plan before you apply

    What this tool does not do

    • • Does not predict SSA's decision
    • • Does not file an application for you
    • • Does not give legal or medical advice

    Am I ready to apply for SSDI?

    Before you apply for SSDI, it helps to check a few things. First, you need enough work credits. Most adults need 40, with 20 earned in the last 10 years. Second, your condition should be expected to last at least 12 months and keep you from working.

    Third, your medical records matter most. SSA looks for regular treatment and notes that show how your condition limits you. Finally, if you are working, your 2026 gross pay generally needs to stay under $1,690 a month.

    A first decision often takes about 6 to 8 months. Getting ready before you apply may help you avoid delays.

    Common questions

    You may be ready to apply for SSDI if you have enough work credits, a condition expected to last at least 12 months, medical records that show your limits, and earnings under the monthly limit. This score checks those factors and shows which ones may need work.

    What makes an SSDI application stronger is usually clear medical evidence. Regular visits, test results and doctor notes about what you cannot do may help. A complete work history and a full list of your doctors also help SSA review your claim.

    An SSDI decision often takes about 6 to 8 months for a first answer. Times vary by state and by how quickly SSA gets your records. Sending complete information up front may help avoid delays.

    Yes, your condition generally has to last, or be expected to last, at least 12 months for SSDI. It can also qualify if it is expected to result in death. SSA also looks at whether it keeps you from doing substantial work.

    You can apply for SSDI if you are still working, but your pay matters. In 2026, gross pay over $1,690 a month generally counts as substantial work, and SSA would likely deny the claim. The limit is $2,830 a month if you are blind.

    A low readiness score does not mean you should not apply. It means some factors may need attention first, like missing records or unclear work dates. Only SSA can decide your claim. The score helps you see what to work on.

    Yes, this SSDI readiness score is free, and you do not need an account. It takes about two minutes. It is a do-it-yourself planning tool and does not send anything to Social Security.

    Keep going

    Free checklist

    SSDI Evidence Checklist

    Free calculator

    SSDI Work Credits Calculator

    Guide

    SSDI Basics: Who May Qualify and How to Apply

    Guide

    Should I File a New SSDI Application or Appeal?

    Last reviewed September 25, 2026. For general information only, not legal or medical advice.

    Sources: SSA: Disability Benefits · SSA: Substantial Gainful Activity

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