Frequently Asked Questions (FAQ) About Social Security Disability

Applying for Social Security Disability Insurance (SSDI) can feel like learning a new language—terms like “SGA” and “Compassionate Allowance” aren’t part of everyday conversation. Start Disability is here to translate the complex into clear, actionable guidance so you can navigate the SSDI process with confidence.

What is Social Security Disability Insurance (SSDI)?

SSDI is a federal program that provides monthly benefits to individuals who cannot work due to a severe, long-term disability. To qualify, you must have worked in jobs covered by Social Security and have a medical condition that meets the SSA’s strict definition of disability.

How do I start my SSDI application?

You can start your SSDI application by:

• Applying online: ssa.gov/applyfordisability

• Calling the SSA: 1-800-772-1213 (TTY 1-800-325-0778)

• Visiting a local SSA office: Find locations at ssa.gov/locator

Need a step-by-step guide? Read our guide: How to File for Disability to prepare for your SSDI claim.

What is the Compassionate Allowance program?

The Compassionate Allowance program speeds up SSDI approval for applicants with certain severe medical conditions, like mixed dementias, advanced cancers, and rare genetic disorders.

Find out if your condition qualifies by visiting the SSA’s official Compassionate Allowance list: ssa.gov/compassionateallowances.

What documents do I need to apply for SSDI?

Here’s your quick checklist:
✅ Medical records and test results
✅ Work history and earnings
✅ Proof of income (W-2s, tax returns)
✅ Personal identification (birth certificate, Social Security card)
✅ Contact information for your doctors and hospitals

Why do SSDI claims get denied?

Common reasons for denial include:

• Not enough medical evidence

• Earning too much income (over the SGA limit)

• Not following prescribed treatments

• Incomplete or incorrect paperwork

• Not meeting SSA’s strict definition of disability

Can I work while applying for SSDI?

Yes, but stay under the Substantial Gainful Activity (SGA) limits for 2025:

• $1,620 per month for non-blind applicants

• $2,700 per month for statutorily blind applicants

Exceeding these limits may make you ineligible. However, the SSA offers a Trial Work Period (TWP) to test working without losing benefits immediately. In 2025, earning over $1,160 per month counts as a trial work month.

For the latest limits, visit:

• SSA SGA Guidelines

• SSA Trial Work Period Info

Should I get a disability attorney or advocate?

While not required, many applicants find that working with a disability attorney or advocate increases their chances of approval—especially during appeals. Legal professionals can help build a strong case, ensure medical records are complete, and represent you at a hearing.

What happens if my SSDI claim is denied?

Don’t give up! You have the right to appeal. The stages of the SSDI appeal process are:

1. Reconsideration

2. Hearing before an Administrative Law Judge (ALJ)

3. Appeals Council review

4. Federal Court review (if needed)

Each stage gives you another chance to present your case, and many applicants win approval at later stages.

How long does it take to get a decision?

It varies:

• Compassionate Allowance cases: As little as a few weeks

• Standard SSDI cases: Several months to over a year, depending on backlog and complexity

How can Start Disability help me?

Start Disability is your go-to resource for navigating SSDI. We provide clear guides, actionable checklists, and expert insights on the SSDI process. While we’re not a law firm, we aim to empower you—and we can connect you with professionals who can assist if needed.

Still have questions?

Visit our Contact page or explore more SSDI resources in our How to File for Disability guide.

Disclaimer & AI Ethical Statement

Disclaimer: This FAQ is for informational purposes only and does not constitute legal or medical advice. For personalized guidance, consult a licensed attorney or healthcare provider.

AI Ethical Statement: This content is based on information from SSA.gov, government publications, and reputable legal sources. It has been reviewed and edited by a human for accuracy and clarity. Please contact us if you notice any errors or outdated information.