New rules for Social Security Disability Insurance (SSDI) could expand or limit eligibility for some Americans in 2025. The Social Security Administration (SSA) updated both income thresholds and work history requirements as of January.
If you’re applying or wondering whether you still qualify, here’s what’s changed and how to check your eligibility.
2025 SSDI income limit (Substantial Gainful Activity)
To qualify for SSDI, you must be unable to engage in Substantial Gainful Activity (SGA) due to a medical condition expected to last at least one year or result in death.
For 2025, SSA raised the SGA thresholds:
- Non-blind individuals: $1,550 per month (up from $1,470 in 2024)
- Blind individuals: $2,590 per month (up from $2,460 in 2024)
If you earn more than the limit from work, you are generally considered not disabled under SSA rules.
How many work credits you need in 2025
Eligibility also depends on your work history—measured in Social Security work credits. You can earn up to four credits per year.
To qualify for SSDI:
- Most applicants need 40 credits, with 20 earned in the last 10 years
- Younger workers may qualify with fewer credits, depending on age
For 2025, one credit is earned for every $1,690 in wages or self-employment income.
What conditions qualify for SSDI?
SSA uses a detailed Listing of Impairments that includes conditions such as:
- Severe physical disorders (e.g., cancer, heart disease, back injuries)
- Mental health conditions (e.g., PTSD, bipolar disorder, depression)
- Neurological diseases (e.g., epilepsy, multiple sclerosis)
Even if your condition is not listed, you may still qualify based on functional limitations and medical evidence.
➡️ Learn more: SSA’s official disability qualifying guide
How to check if you qualify
You can assess your eligibility in three steps:
- Use the SSA Benefits Eligibility Screening Tool
- Check your work history through your mySocialSecurity account
- Talk to a Social Security disability attorney or local SSA office
What to do if you’re denied
About two-thirds of initial SSDI applications are denied. If that happens:
- Request a reconsideration within 60 days
- Prepare additional medical evidence
- Consider working with a representative for your appeal
Appeals often succeed, especially with legal or advocacy help.
Key takeaway
SSDI eligibility rules changed for 2025. Income and work credit thresholds are higher, which could affect who qualifies. If you think you may be eligible, start with SSA’s screening tool and your work history.
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