How to Apply for SSI and SSDI 

Are you struggling to pay your bills? Is it hard to provide for you and your family because of medical conditions that make it impossible to work? Are you worried about how you will survive if you can’t work? 

You are not alone. 

Every year, millions of Americans apply for Social Security disability benefits because they are seriously ill or have become disabled and cannot work.

Social Security benefits were created to support Americans facing unfortunate circumstances who need assistance. These benefits are a vital safety net for millions of disabled or elderly individuals who rely on these benefits to pay for basic necessities, housing, and more. 

If you are injured or ill and expected to be unable to work for at least 12 months, you may qualify to receive Social Security Disability Insurance (SSDI) benefits and, in some cases, Supplemental Security Income (SSI) benefits. In this article, we will outline the requirements to qualify for both programs and explain the differences between them. 

What you need to know about applying for SSI and SSDI benefits 

There are strict rules to who receives these benefits, you must meet the Social Security Administration’s  (SSA’s) definition of disabled:  

“You must not be able to engage in any substantial gainful activity (SGA) because of a medically determinable physical or mental disability(ies) that is either: 

• Expected to result in death. 

• Has lasted or is expected to last for a continuous period of at least 12 months.” 

Know the Difference 

SSI Requirements 

Supplemental Security Income (SSI) benefits are monthly payments administered by the SSA for individuals who have limited income and resources and are disabled or unable to work for at least 12 months. 

The requirements to qualify are strict, as these benefits are reserved for those who are facing extreme financial hardship, have few assets, and are elderly, disabled, or blind. 

Restrictions for individuals who are single: 

• You must not have over $2,000 

• Own more than one vehicle 

• Own more than one home 

Restrictions for individuals who are married: 

• You must not have over $3,000 

• Own more than one vehicle  

• Own more than one home 

The SSA will also count any other assets you have like stocks or property. 

There are strict monthly income and asset requirements to qualify and a dollar for dollar offset on any earnings if you are approved.  

SSDI Requirements 

Social Security Disability Insurance (SSDI) benefits are monthly payments administered by the SSA to individuals who have a qualifying disability or illness that prevents them from working for at least 12 months and who have earned enough work credits. 

It’s best to not work when you are applying for benefits, however, we understand that you may have no choice. Any work activity should be under SGA, or it could impact your eligibility. SGA is the monthly maximum set annually by the SSA that you can earn to still be eligible for benefits.  

In 2025, SGA is $1620 for non-blind individuals and $2700 for blind individuals.  

Additionally, you must have earned at least 20 work credits in the 10 years leading up to the start of your disability. 

Work credits are based on your wages, and you can earn up to four credits per year. In 2025, you can earn one credit for each $1,810 you make.   

The amount you receive monthly is determined by the SSA and is based on your past earnings with a slight cost of living adjustment (COLA) each year.  

Key Takeaways 

• SSI is for individuals with little or no resources who are elderly, blind, or disabled. 

• SSDI is for individuals who have a qualifying disability or illness that prevents them from working for at least 12 months and who have earned enough work credits. 

• You do not need work credits to qualify for SSI benefits. 

• You need at least 20 works credits in the 10 years leading up to your disability to qualify for SSDI benefits. 

• You must meet the SSA’s definition of disability to qualify for either program. If you must work when you are applying for benefits, your earnings should be under SGA, or it could impact your eligibility. 

• In 2025, SGA is $1620 for non-blind individuals and $2700 for blind individuals. 

Application Process 

To apply for SSI or SSDI benefits, go to the SSA’s website to create a Login.gov account. From there you can fill out an application online. You can also call the SSA to make an appointment to complete an application at one of their regional field offices. 

For both SSI and SSDI, you will be asked to provide paperwork detailing your medical history, medical records, work history, marital status, how your disability affects your daily life, and more.  

Legal Representation 

The application process for SSI and SSDI benefits is complex, involves extensive paperwork, and can be time-consuming. It’s very common for initial applications to be denied. While you can appeal the decision—and there are several stages to that process—it is highly recommended that you consult with an attorney, if not for the initial application, then for the appeals. 

How Nyman Turkish Can Help 

At Nyman Turkish, every day we help clients gain access to the benefits they deserve and have worked hard for. 

When it comes to disability law, our Firm stands at the forefront. As the nation’s leading firm in this field, we’re proud to offer unmatched legal expertise through our top-tier attorneys, skilled legal assistants, and dedicated case managers. Our commitment to excellence was recently recognized with the Disability Awards Largest Law Firm Nationwide honor, presented by the Advocates, Counselors, and Representatives for the Disabled (ACRD)—a testament to the impact and quality of our service. 

If you’re seeking trusted, proven legal support in disability law, look no further than Nyman Turkish. 

Fierce Advocacy 

We know firsthand how difficult it can be to apply for Social Security benefits, and we’re here to help. Our team not only treats every client with respect and empathy but also has a deep understanding of the system’s complexities. 

Our No-Fee Guarantee 

Nyman Turkish offers a no-fee guarantee, meaning you pay nothing out of pocket and we will review your case for FREE. Call us at (877) 529-4773 or visit our website to connect with our staff, and we’ll reach out within 24 hours to schedule your free, no-obligation consultation.