Basic SSDI requirements
SSDI is for people who have worked and paid Social Security taxes. In general, you need to have worked about 5 of the last 10 years in jobs that paid Social Security taxes. Younger workers may need fewer credits. Along with this work history, you must have a medical condition that keeps you from doing substantial work. If you do not have enough recent work, SSI may be the better path.
Basic SSI requirements
SSI is based on financial need rather than work history. It is for people with limited income and resources, so there are limits on what you can earn and own. You do not need a work record to qualify. The medical requirements are the same as SSDI, which means your condition must seriously limit your ability to work. An evaluation can help you see whether your finances fit the SSI rules.
Medical requirements
For both programs, your condition must prevent substantial work and be expected to last at least 12 months or result in death. The SSA looks closely at your medical records, so strong documentation matters. It considers how your condition limits everyday work activities, not just your diagnosis. Physical and mental health conditions can both qualify when the evidence supports real limits.
What if I am not sure?
That is exactly what the evaluation is for. It costs nothing and takes about 60 seconds. You answer a few questions, and if you may qualify, a disability representative can reach out to discuss your options. There is no obligation to move forward.