Getting Social Security Disability Insurance is challenging, with around two-thirds of applicants denied. Eligibility requires a severe physical or mental impairment preventing work for at least a year. Earning more than $1,620 monthly ($2,700 if blind) in 2025 disqualifies applicants unless they are blind. Skills, education, and work history are considered; denial occurs if the applicant can perform a less demanding job. The SSA Benefit Eligibility Screening Tool can help determine eligibility. To apply, gather personal, financial, and medical information and apply online at SSA.gov/disability, by phone at 800-772-1213, or at a local office. The initial process takes six to eight months, unless it’s a fast-tracked Compassionate Allowance case. If denied, applicants can appeal, and about half of appealed cases are eventually awarded benefits, though appeals add significant time (eight to 10 months for reconsideration, 15 months for a hearing). Hiring a representative is an option, costing 25% of past-due benefits up to $9,200 if they win the case. Representatives can be helpful, especially for complex disabilities, and can be found through NOSCCR, NADR, or LSC for low-income assistance.
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