1. What Is SSDI?

SSDI is a federal program administered by the Social Security Administration (SSA) that provides monthly benefits to individuals who:

• Have a qualifying disability expected to last at least 12 months or result in death
• Have worked long enough in jobs covered by Social Security to earn sufficient work credits

SSDI is not needs-based like SSI; it is based on your earnings history and contributions to Social Security through payroll taxes.

2. Who Is Eligible for SSDI in Pennsylvania?

To qualify, you must:

• Have earned enough work credits, which depend on your age. Generally, you need 40 credits total, with 20 earned in the last 10 years. Younger individuals may qualify with fewer credits.
• Be unable to engage in Substantial Gainful Activity (SGA) due to a medically determinable physical or mental impairment. In 2025, SGA is earning more than $1,550 per month, or $2,590 per month if blind.

3. How to Apply for SSDI in Pennsylvania

There are three main ways to apply:

A. Apply Online

1. Visit www.ssa.gov/applyfordisability
2. Log in or create a my Social Security account
3. Complete the SSDI application and Adult Disability Report
4. Upload or mail supporting documents, including medical records and employment history summaries

Applying online is generally the fastest and most convenient option.

B. Apply by Phone

• Call the SSA’s national toll-free number at 1-800-772-1213
• TTY users can call 1-800-325-0778
• Schedule a phone appointment with an SSA representative to complete your application

C. Apply In Person

• Visit your local Social Security office in Pennsylvania
• Use the SSA Office Locator at www.ssa.gov/locator to find the nearest office
• Bring valid identification and all necessary documents

Appointments are recommended to avoid long wait times.

4. What Documents Do You Need to Apply?

Preparing your documents in advance helps ensure a smooth application process:

• Social Security number and proof of age (e.g. birth certificate)
• Detailed medical records, including diagnoses, treatment history, and medications
• Names and contact information for all doctors, clinics, and hospitals involved in your care
• Work history summary for the past 15 years, including job titles and duties
• Recent W-2 forms or self-employment tax returns

5. What Happens After You Apply?

Your application is sent to Disability Determination Services (DDS) in Pennsylvania, where:

• Claims examiners review your medical records and work history
• Additional records may be requested from your doctors
• You may be scheduled for a consultative examination (CE) with an SSA-approved doctor if needed

6. How Long Does It Take to Get a Decision?

On average, it takes 3 to 6 months to receive an initial SSDI decision. However, processing times can vary depending on:

• The completeness of your application
• The speed at which medical records are obtained
• Whether a consultative examination is required

7. What If Your SSDI Application Is Denied?

If your application is denied, don’t lose hope. You have 60 days to appeal, starting with:

• Request for Reconsideration: A complete review of your claim by a different SSA examiner
• Hearing Before an Administrative Law Judge (ALJ): If reconsideration is denied
• Appeals Council Review and Federal Court Review: Additional steps if needed

8. Tips for a Successful SSDI Application

To strengthen your application:

• Be honest and detailed about your medical condition and how it limits your ability to work
• Continue regular medical treatment and follow doctors’ recommendations
• Submit all required documentation and respond promptly to any SSA requests