If you’re considering applying for Social Security Disability Insurance (SSDI), you’re not alone. Many people are overwhelmed by the process and unsure how to avoid mistakes that can lead to denials. At Marc Whitehead & Associates, we specialize in helping claimants navigate the system and get the benefits they deserve.
Here’s what you need to know:
Are You Eligible for SSDI?
Call or text (800) 562-9830 or complete a Free Case Evaluation form
To qualify, you must have worked long enough to earn Social Security work credits. In 2025, you get one credit for every $1,730 in wages or self-employment income, up to four credits per year. Most people need 40 total credits, with at least 20 earned in the last 10 years.
Your eligibility also depends on your Date Last Insured (DLI)—the last date you’re covered based on your work history. You must prove your disability started before this date.
For a free legal consultation, call (800) 562-9830
If you haven’t worked enough, you may still qualify for Supplemental Security Income (SSI), which is based on financial need, not work history. In 2025, SSI recipients must have less than $2,000 in countable resources ($3,000 for couples) and very limited income.
SSA’s 5-Step Disability Evaluation Process
The Social Security Administration (SSA) uses five steps to decide if you qualify:
- Are you working? You can’t earn more than $1,530/month in 2025.
- Is your condition severe? It must significantly limit your ability to work for at least 12 months.
- Does it meet a listed impairment? SSA has a list of conditions that qualify. Find them at: disabilitydenials.com/listings
- Can you do your past work? SSA looks at jobs from the past 15 years. Be sure to describe your most physically demanding duties.
- Can you do any other work? This is where the “Grid Rules” come in. Age matters:
- Under 50: Must show you can’t do any job.
- 50–54: More favorable if limited to sedentary work.
- 55 and older: More favorable if limited to light work.
What Is Residual Functional Capacity (RFC)?
SSA evaluates your ability to do work-related activities:
- Sedentary: Lift 10 lbs occasionally; mostly seated.
- Light: Lift 20 lbs occasionally; frequent standing.
- Medium: Lift 50 lbs occasionally.
- Heavy: Lift up to 100 lbs occasionally.
➡️ Be honest on your application. Overstating your abilities can lead to an RFC rating that doesn’t reflect your true limitations.
Filing Your Claim Online
Go to ssa.gov/applyfordisability. You’ll complete:
- SSA-16 (SSDI application)
- SSA-3368 (Adult Disability Report)
- SSA-827 (Medical release form)
- If applying for SSI: SSA-8000 (financial info)
What You’ll Need to File
- SSN, birth certificate, immigration status if applicable
- Complete medical history: doctors, dates, treatments
- List of medications
- Work history for past 15 years
- Education & vocational training
Common Mistakes to Avoid
- Leaving out mental health conditions
- Describing your past jobs as easier than they were
- Overstating education or transferable skills
- Failing to provide complete medical evidence
What Are Your Benefits?
Your monthly SSDI benefit is based on your average earnings over time. If approved, you’ll receive:
- Monthly checks
- Medicare after 24 months
- Backpay (often up to 12 months before your application date)
Download Our Free Checklist
We’ve created a detailed, printable SSDI Application Checklist that walks you through everything you need to do. Download it at: www.disabilitydenials.com/guides
When to Call an Attorney
There’s no upfront cost to hire us. You only pay if we win your case. We can:
- Help you file the first time
- Assist with appeals if you’re denied
- Represent you at hearings
If you need help, call 713-929-2592 or visit www.disabilitydenials.com to schedule a free consultation.
Marc Whitehead & Associates
Board Certified in Social Security Disability Law
