Social Security Disability Questions

With an increasing number of Americans wondering whether they may qualify for Social Security Disability Insurance (SSD or SSDI), let’s take a moment to answer a few questions that come up frequently.

Who qualifies for SSD benefits?

An individual with a disability lasting or expected to last at least a year may qualify. The disabled individual must also be under age 65 to be eligible, as 65 is normally the age of Medicare eligibility.

To be eligible for disability benefits, individuals must have accumulated a prescribed number of Social Security credits (normally accumulated through work experience and payment into Social Security) during the 10 years immediately preceding disability. Requirements vary according to age, and those suffering disability before age 23 may be able to draw on their parents’ Social Security credits without affecting their parents’ eligibility for SSDI.

Is it difficult to apply for SSDI?

Not at all. You can apply by visiting your local Social Security office. Although an appointment isn’t generally necessary, you’d be well advised to call in advance in order to minimize possible complications.

You can apply for Social Security Disability Income by telephone. The toll-free number is 800-772-1213 (TDY 1-80325-0778).

You can also apply online for SSDI benefits.

When should I apply?

It’s important to apply for SSDI as soon as you become disabled. Processing of claims for SSDI normally takes three to five months, and you won’t want to wait any longer than necessary to receive the benefits you’re due.

Three to five months? Did I hear that right?

Unfortunately, yes. But if you follow all the application instructions carefully and provide all the documentation you’re asked for, that can help minimize the delay. You can also save time by having such documents as your birth certificate, naturalization papers, tax forms, and military discharge papers ready to submit. For a complete list of documents you may be required to submit with your claim, visit

How do I decide whether I ought to apply for SSDI?

Great question. First, read through the page on our website that asks that very question and raises a few matters you’ll have to consider before deciding whether you ought to apply for SSD benefits. Then, for further insight, take MedicareMall’s free SDI evaluation. This is the easiest way you can make an informed decision.

If you’d like to know more about Social Security Disability Insurance, MedicareMall will be happy to discuss your circumstances and options. And, of course, if there’s anything you’d like to know about Medicare Supplement Insurance Plan, or  Medicare Advantage, MedicareMall will be happy to answer those questions, too. Contact MedicareMall now and we’ll make it our priority to see you get the very best healthcare coverage for your dollar.

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