The disability program in the United States is a social safety net which all working citizens pay into from their every first paycheck. It exists to assist people who, because of disability, are unable to work and earn a living. However, an applicant must prove that they are unable to earn a livable wager due toa mental or physical handicap. The process isn’t always an easy one. 

According to a disability attorney in Melbourne, FL., most people get denied the first time they apply. Maria had this to say: “only about 1/4 of applications are approved on the first try. Reasons for denied applications vary but the most common ones are that the application lacks substantial proof. Another reason these applications are denied is because the application was filled out improperly or incompletely.”

Non-Medical Requirements

For SSDI, you generally need enough work credits. In 2026, you earn one credit for every $1,890 in covered earnings, up to four credits per year ($7,560). Most adults need 40 credits total, with 20 earned in the 10 years before disability began (the “20/40 rule”). Younger workers may qualify with fewer credits based on age.

The Strict Definition of Disability

The SSA defines disability as the inability to engage in any substantial gainful activity because of a medically determinable physical or mental impairment (or combination of impairments) that has lasted or is expected to last at least 12 continuous months or result in death. Partial or short-term disabilities do not qualify.

The SSA uses a five-step process to decide most adult claims:

1 – Do You Make More than the SGA (Posted limits) Allows?

2 – Is Your Impairment Severe?

3 – Does Your Condition Meet a Listing in the “Blue Book”?

4 – Can You Perform Past Relevant Work?

5 – Can You Adjust to Other Kinds of Work?

This is the basic roundup of what the Social Security Administration is looking for when reviewing an application. Familiarize yourself with these five points if you wish to move forward with the process of applying for disability in the United States in 20206. 

Hiring an attorney to assist with your case, or any other legal matter, is always highly recommended. It gives you a serious advantage.