When is the “Right” Time for a Client to Apply for SSDI Benefits?
For many individuals dealing with serious injuries, illnesses, or disabilities, the decision to apply for Social Security Disability Insurance (SSDI) benefits is far from straightforward. Timing plays a crucial role in the success of a claim. At Walker Firm PC, DBA Casa de la Justicia, we specialize in helping clients navigate the SSDI process. Below are some key considerations to consider when applying for SSDI.
When Their Disability Prevents Them From Engaging in Substantial Gainful Activity (SGA)
The Social Security Administration (SSA) has specific criteria for SSDI eligibility, and one of the most important factors is whether the claimant’s disability prevents them from working at a level of Substantial Gainful Activity (SGA). SGA refers to the ability to earn a certain income (currently $1,470 per month for non-blind individuals and $2,460 for blind individuals in 2025).
If a client is still able to work and earn income above this threshold, they will likely not qualify for SSDI benefits. However, if their condition has made it difficult or impossible for them to maintain employment at this level—whether due to physical or mental impairments—it may be time for them to apply for SSDI.
After They’ve Exhausted Other Employment or Disability Benefits
If the client has reached the point where their Workers’ Compensation or state disability benefits are running out or they’ve been deemed to be permanently disabled and cannot return to work, applying for SSDI benefits is often the next step. However, SSA has strict rules about “working while applying for SSDI” or “trial work periods,” so clients that are working need to earn less than the SGA threshold unless they are in a “trial work period”.
When They Are Unable to Perform Their Previous Work or Any Other Work
In SSDI claims, one key aspect is whether a client is unable to perform their past work (the jobs they’ve held in the last 15 years) and/or any other work in the national economy. If the client is unable to do their previous job because of their disability, but could still perform some other type of work, they might not qualify for SSDI. However, if they cannot do their past work and are also unable to transition into any other type of work due to their disability, it may be time for them to apply.
When They Meet the Work Credit Requirements
The SSA requires individuals to have worked a sufficient number of years and earned enough work credits to qualify for SSDI. Generally, individuals need to have worked five out of the last ten years, although this can vary based on age and when the disability began.
When the Medical Evidence Supports a Long-Term Disability
Since SSDI is designed to assist individuals who are suffering from long-term disabilities that are expected to last at least one year or result in death, it is critical that:
Disability is documented clearly and comprehensively
Their medical records should detail not only their diagnosis but also the severity of their condition and how it impacts their ability to perform work.
Medical evidence is up-to-date
The SSA will want to see that the disability has lasted—or is expected to last—long enough to qualify for SSDI.
When They Have the Right Documentation
A common mistake is to apply without both the work history and medical evidence to support a SSDI claim. At Walker Firm PC, DBA Casa de la Justicia, we help clients understand the requirements for eligibility, the SSA review process, which can take up to two years, and make sure our clients have gathered all the documentation required to fulfill SSA requirements. Navigating the complexities of SSDI can be challenging, especially for those clients whose primary language is Spanish, but with a quick ten-minute call to our experienced team, we can determine whether the time is right for a client to apply. Just call us at 1 800 454 5454 and we’ll be happy to help at no up-front front to your client.
