If you’re applying for SSD benefits, figuring out where to start can feel overwhelming. Don’t try to handle it alone or rely on outdated advice.

Whether you are preparing to apply for the first time or appealing a denial, this is how you can get the help you need.

Who Qualifies for Social Security Disability (SSD)?

The SSA considers two things when deciding if you’re eligible for SSD benefits. These are your health condition and your work history.

First, your condition has to be serious enough to keep you from working for at least a year. Or it must be expected that the condition will result in your death. If you can work, there is a limit as to what you can earn. In 2025, if you’re making less than $1,620 per month (or $2,700 if you are blind), you can qualify.

The next qualification involves your work record. Most individuals need to have worked five out of the last ten years. If you’re younger, you may qualify with fewer years of employment. Either way, the SSA tracks this using “work credits.” Check the SSA portal to find out whether you’ve earned enough.

SSD Eligibility Requirements for 2025

The basics haven’t changed much. Here are the numbers for 2025:

• You earn one work credit for every $1,730 you make.

• You can get up to four credits per year.

• Most people need 40 work credits total, 20 from the past 10 years.

• The SSA’s definition of disability is still strict. Your condition must keep you from working for 12 months or longer.

• Some fast-track approvals are available for very severe conditions.

SSDI and SSI aren’t the same. SSDI benefits are based on your work history and your previous income. SSI is for individuals with low or no incomes, and it doesn’t require a work history.

How to File for Social Security Disability in 2025

There are three ways to apply:

• Apply online at ssa.gov/disability

• Call 1-800-772-1213 (TTY 1-800-325-0778)

• Set up an appointment at your local SSA office

Follow every step and ensure that all your information is accurate. Failing to address specific details or omitting important information can lead to delays. It can also reduce the likelihood of your claim being approved.

Step 1: Gather the Necessary Information

Don’t start the application until you have all relevant records and documents handy. Here’s what you’ll need:

• Medical records

• Physician contact information

• Job history

• Tax returns or W-2s

• ID documents

• Bank account information

Your doctor can fill out a Residual Functional Capacity (RFC) form. This will clearly illustrate how your condition impacts your work performance. It can help your case substantially and is encouraged.

Step 2: Submit Your Application

Before you submit your application, double-check the information. Mistakes can slow things down or, even worse, result in a denial.

Once you submit your application, you’ll receive a confirmation. You will receive updates either by mail or through your SSA account.

Step 3: Wait for a Decision

Currently, it takes an average of three to five months to hear back from the SSA, but this time frame can vary.

First, your file will go to your state’s Disability Determination Services (DDS) agency. They will review your medical records and might ask for clarification. They may also schedule you for an exam.

After approval, there’s a 5-month waiting period before you start receiving payments. This period starts the month after the SSA says your disability began.

If you were hurt at work, our workers’ compensation lawyers can help you apply for benefits. We can also assist if you were denied, so don’t lose hope. Appeals are common, and many people win after challenging the decision. This is especially true with the assistance of a legal team.

Step 4: Appeal a Denial

If your claim is denied, you’re not alone. Many SSD applicants receive an initial denial. Appealing that decision can still lead to a successful outcome.

The appeals process in 2025 includes several stages:

• Reconsideration: Another claims reviewer gives your case a fresh look. Then, you can submit new evidence.

• Administrative Hearing: If reconsideration fails, you can ask for a hearing. This will be with an administrative law judge. This is where many people win their cases.

• Appeals Council: If the judge denies your claim, you can request a review from the SSA Appeals Council

You can also take your case to federal district court for review if all else fails. Each option has its timeline and rules, so it’s important to act quickly and prepare thoroughly.

Tips for Strengthening Your SSD Claim

Follow these tips to increase your odds of success:

• Don’t miss appointments.

• Continue to take all prescribed medications.

• Don’t make vague or exaggerated statements.

• Keep records of your most recent doctor’s visits and medications.

• Include your most recent test results and physician notes.

Claims that are clear about your condition’s limitations can fare better during review.

How a Disability Lawyer Can Improve Your Chances on Appeal

Legal representation isn’t required to file a disability claim. However, having a lawyer can make a difference, especially during the appeal process.

Our Social Security disability lawyers can:

• Help you gather the strongest possible evidence

• Prepare you for your hearing and speak on your behalf

• Meet deadlines and ensure paperwork is complete

• Spot weaknesses in your case and address them proactively

If you have questions about filing or appeals, refer to our SSD FAQ.

Reach Out to Pond Lehocky for Help Today

Filing for Social Security disability benefits takes time, patience, and paperwork. But you don’t have to figure it out alone. Whether you’re applying for the first time or need help after a denial, contact our team today.