Eligibility Requirements for SSDI in California

Before applying, it's essential to ensure that you meet the Social Security Administration’s (SSA) eligibility criteria for SSDI:

• Work History: To qualify for SSDI, you need to have worked a sufficient number of years and paid into Social Security through payroll taxes. The SSA uses a system of work credits to determine your eligibility. Generally, you must have earned at least 20 credits in the last 10 years.
• Disability Criteria: You must have a medical condition that prevents you from working and is expected to last at least 12 months or result in death. The SSA uses a Listing of Impairments to identify conditions that are considered disabling. If your condition is not listed, you will need to demonstrate that your disability is equivalent to one that is.
• Age and Earnings Limitations: SSDI benefits are available for individuals who are not currently earning a substantial income from work. The SSA has an earnings threshold called Substantial Gainful Activity (SGA). If you are earning above this limit, you will not be eligible for SSDI.

Steps to Claim SSDI in California

Step 1: Gather Your Medical and Work Records

Before applying for SSDI, you should gather all necessary documentation:

• Medical Records: These should include detailed information about your disability, doctor’s reports, hospital records, and any other medical documentation that supports your claim. The SSA needs proof that your condition prevents you from working.
• Work History: You will need to provide your work history, including your previous employment and the jobs you held. This helps determine how many work credits you have and whether you meet the work history requirements for SSDI.

Step 2: Apply for SSDI

You can apply for SSDI benefits in California in several ways:

• Online: The easiest and most efficient way to apply is through the SSA’s online application portal at www.ssa.gov. The online application allows you to apply at your convenience, and you can save your progress and return later if needed.
• By Phone: You can apply by calling the SSA’s toll-free number at 1-800-772-1213. An SSA representative will guide you through the application process over the phone.
• In-Person: You can also apply in person at your local Social Security office. To find the office nearest to you, visit the SSA’s office locator at www.ssa.gov or call 1-800-772-1213.

Step 3: Complete the Application Accurately

When applying, it’s essential to provide detailed and accurate information. This includes:

• Your personal information (name, date of birth, etc.)
• Your medical history and conditions
• Your work history and any related documentation
• Names and contact information for doctors and medical providers

Make sure to be honest and thorough in answering all questions, as mistakes or omissions can lead to delays or denials.

Step 4: Wait for the SSA’s Decision

After you submit your application, the SSA will review your case. This process can take several months. The SSA will:

• Review your medical records to determine if your condition meets the disability criteria.
• Assess whether you meet the work history and earnings requirements.
• Make a decision about whether you qualify for SSDI.

If your application is approved, you will begin receiving SSDI benefits. If denied, you have the right to appeal the decision.

Step 5: Appeal If Necessary

It’s common for SSDI claims to be denied initially. If you are denied benefits, you can request a reconsideration and provide additional information to support your claim. If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). At this stage, you may present additional evidence and argue your case in person.