Apply for SSDI if a disability limits your ability to work

What it costs

Time and effort to document your medical condition, work history, and income and complete the disability application.

What you get

SSDI, which SSA calls “Disability,” provides monthly payments to people whose disability stops or limits their ability to work. Generally, an approved applicant must wait 5 full calendar months from the date the disability began before entitlement can begin; payments begin in the sixth full month. There is no waiting period when the disability results from ALS and the applicant is approved on or after July 23, 2020.

In 2026, substantial gainful activity is $1,690 per month, or $2,830 for someone considered blind under SSA rules. The benefit amount is based on lifetime average earnings covered by Social Security.

Notes

SSDI eligibility generally requires a disability or blindness and enough work history. Your payment amount depends on your work history; sign in to your Social Security account to view your estimate. SSI is a separate program with income and resource rules.