Social Security Disability Insurance (SSDI)
Monthly checks if you worked, paid in, then became disabled
What it pays or provides
SSDI pays a monthly benefit based on how much you earned before becoming disabled. Some family members may also qualify for benefits on your record, and after 24 months on SSDI you become eligible for Medicare.
Who qualifies
You qualify for SSDI if you have a disability that meets Social Security's rules, and you worked long enough and recently enough, paying Social Security taxes, to be "insured." Unlike SSI, there's no income or savings limit — SSDI is based on your work record, not your current finances.
How other benefits affect it
Depending on your situation, you may be able to collect SSDI and SSI at the same time — for example, if your SSDI payment is low enough that you still qualify for SSI's income limits.
How to apply
Apply online at ssa.gov/apply (choose disability benefits for adults), by phone, or in person at a Social Security office.
How long approval usually takes
If your application is approved, there's a five-month waiting period before SSDI payments start.
If you’re denied
If Social Security denies your SSDI application, you can appeal — there's a separate appeals process specifically for SSDI decisions.
Programs that combine with it
- Supplemental Security Income (SSI) — monthly cash if you're 65+, blind, or disabled with almost nothing
Sources
- Official rule text “SSDI is tied to your work history. It pays benefits to you and certain members of your family if you: Have a disability, and Worked enough years to qualify and paid Social Security taxes during the years you worked” (checked July 6, 2026)