| If a medical condition keeps you from working, you may qualify for monthly SSDI benefits—but only if you meet Social Security’s strict rules. Here’s what you need to know: 1. Work Credits You must have paid enough FICA taxes. - Most workers need 40 credits, with 20 earned in the last 10 years.
- Younger workers can qualify with fewer credits.
2. Severe Disability Your condition must prevent substantial work (generally earning more than about $1,550/month in 2025, or $2,590 if blind). 3. Long-Term Condition The disability must last at least 12 continuous months or be expected to result in death. 4. SSA-Recognized Impairment If your condition matches or equals an impairment on Social Security’s list—or keeps you from doing any job—you may qualify. Extra Benefits - Family Benefits: Spouses and dependent children may also receive monthly payments.
- Medicare: Most people become eligible after 24 months of SSDI benefits.
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