SSDI — Social Security Disability Insurance

Who qualifies

• You have a physical or mental condition that prevents substantial gainful activity (SGA) — earning more than $1,620/month in 2026
• Your condition is expected to last at least 12 months or result in death
• You have enough Social Security work credits — generally 40 credits (10 years of work), 20 of which were earned in the 10 years before you became disabled. Younger workers need fewer credits.

How much you get

Your benefit is based on your average indexed monthly earnings over your working life. The average SSDI payment in January 2027 (after the 3.6% COLA) is about $1,592/month. Your actual amount depends on your earnings history.

Medicare eligibility

After receiving SSDI for 24 months, you automatically become eligible for Medicare — regardless of age. This includes Part A (hospital) and Part B (medical). You pay the standard Part B premium ($185/month in 2026) unless you have low income and qualify for a Medicare Savings Program.

Returning to work

SSDI has a Trial Work Period (TWP) of 9 months (not necessarily consecutive) during which you can test your ability to work without affecting benefits. After the TWP, SSA applies the SGA limit. If you earn above SGA, your benefits end after a 3-month grace period.