Eligibility Requirements for SSDI in Florida

To qualify for SSDI, you must meet the SSA’s general requirements, which include having a disability that prevents you from working and a sufficient work history. Here’s what you need to know:

• Work History and Credits: To qualify for SSDI, you need to have worked and paid Social Security taxes for a certain number of years. The SSA uses a system of “work credits” to determine eligibility. In general:
• You need 40 work credits to qualify for SSDI, with 20 of those credits earned in the last 10 years before you became disabled.
• Younger individuals may need fewer credits. For example, if you are under 31, you may only need to have earned credits in the last 3-6 years.
• Medical Condition: Your disability must meet the SSA’s strict definition, which means it must be:
• Severe: The condition must significantly limit your ability to perform basic work tasks.
• Expected to last at least 12 months or result in death.
• Listed in the SSA’s Listing of Impairments or be of equal severity. These listings include conditions like heart disease, cancer, mental health disorders, and more.
• Substantial Gainful Activity (SGA): To qualify for SSDI, you cannot be earning above a certain income. In 2025, the SSA considers anyone earning more than $1,470 per month (gross) to be engaging in substantial gainful activity (SGA). If you are earning more than this, you will not be eligible for SSDI benefits.

How to Apply for SSDI in Florida

The application process for SSDI in Florida is the same as in other states. Here’s how to apply:

• Complete the SSDI Application: You can apply for SSDI benefits online at the SSA’s website (www.ssa.gov), by phone, or in person at a local Social Security office. The online application is often the fastest way to start the process.
• Provide Detailed Medical Evidence: The most crucial part of your SSDI application is proving that your disability meets the SSA’s criteria. Be sure to provide:
• Complete medical records from your doctors.
• Test results like MRIs, X-rays, or lab reports that support your condition.
• Letters from your doctors detailing your limitations and how your condition prevents you from working.
• Submit Your Work History and Other Documents: You’ll need to provide information about your work history, including your job titles, duties, and dates of employment. If you have any family or financial documents, be sure to include them as well.
• Follow Up on Your Application: After submitting your application, regularly follow up with the SSA to check the status of your claim. You can create an online account to track your application’s progress.

What Happens After You Apply?

Once you submit your SSDI application in Florida, the SSA will evaluate your case. Here’s a general timeline and what you can expect:

• Initial Review: The SSA will first review your application and determine if you meet the basic eligibility requirements (work credits, medical condition, etc.).
• Medical Review: Your case will then be sent to a state disability agency (in Florida, this is the Division of Disability Determinations). They will evaluate your medical records and determine if your disability meets SSA’s criteria.
• Decision: The SSA will make a decision on your application. In many cases, applications are initially denied, but you have the option to appeal the decision if needed.

Be Prepared for a Denial

It’s common for SSDI applications to be denied initially, even when the applicant meets all the requirements. If your claim is denied, don’t lose hope. You have the right to appeal. Here’s how to handle a denial:

• Request Reconsideration: If your application is denied, you can request a reconsideration, where the SSA will review your case again.
• Request a Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is a critical stage where you can present your case in person.
• Provide New Evidence: During the appeals process, be sure to provide any new medical records or information that could support your claim.