$4,018 Disability Retirement Benefits – Who Qualifies and How to Apply

If you’re unable to work due to a disability, you might qualify for Social Security Disability Insurance (SSDI). In 2025, SSDI payments could be as high as $4,018 per month, depending on your work history and past earnings.

But who actually qualifies? How do you apply? And what should you expect from the process? Here’s everything you need to know.

Who Qualifies for SSDI Benefits?

Not everyone with a disability is eligible for SSDI. To qualify, you need to meet two key requirements:

1. You must have a serious medical condition

   • Your disability must prevent you from working.
   • It must last at least 12 months or be a terminal illness.
   • Social Security has a list of qualifying conditions, but even if yours isn’t listed, you might still be eligible.

2. You must have worked and paid into Social Security

   • SSDI isn’t a needs-based program like SSI. It’s based on your work history.
   • You need a certain number of work credits, usually 40, with at least 20 earned in the last 10 years before your disability began.
   • If you’re younger, you may qualify with fewer credits.

If you’re unsure whether you qualify, you can check your Social Security account at SSA.gov.

How Much Will You Receive?

SSDI payments are based on your past earnings, not your current financial situation. In 2025:

• The average SSDI payment is around $1,537 per month.
• The maximum possible payment is $4,018 per month, but only for those with a strong work history and high lifetime earnings.

To see your estimated SSDI benefits, log into your Social Security account online.

How to Apply for SSDI

Applying for SSDI can take time, so it’s best to start as soon as possible. Here’s how:

1. Gather the necessary documents

   • Social Security number and birth certificate
   • Medical records, test results, and statements from your doctor
   • Work history details for the past 15 years
   • Proof of income and any other benefits you’re receiving

2. Submit your application

   • Online: Apply at SSA.gov.
   • By phone: Call Social Security at 1-800-772-1213.
   • In person: Visit your local Social Security office (appointments are recommended).

3. Wait for a decision

   • Most applications take 3 to 6 months for a decision.
   • If your claim is denied, don’t panic—you can appeal the decision. Many people win their case on appeal.

Important Things to Know

• There’s a five-month waiting period – Even if you’re approved, SSDI payments won’t start until the sixth month after your disability began.
• You can work a little while on SSDI – But your earnings can’t exceed $1,550 per month in 2025, or Social Security may decide you’re able to work full-time.
• Your family may qualify for benefits too – A spouse, child, or disabled adult child may be eligible for benefits based on your work record.