Basic SSDI Eligibility Requirements in California

SSDI eligibility is determined by the Social Security Administration (SSA), and to qualify, you must meet two main requirements:

You Must Have a Qualifying Disability

• The SSA defines a disability as a severe medical condition that prevents you from working for at least 12 months or is expected to result in death.
• Your condition must limit your ability to do basic work-related activities such as standing, walking, sitting, lifting, or remembering.
• The SSA maintains a Listing of Impairments, which includes many conditions that automatically meet the disability standard—though even conditions not listed may qualify if they’re severe enough.

You Must Have Earned Enough Work Credits

• SSDI is based on your work history. You earn “credits” for each year you work and pay Social Security taxes.
• Most people need at least 20 credits earned in the last 10 years, but younger workers may qualify with fewer credits.
• In 2025, you earn one credit for every $1,730 in wages, up to four credits per year.

Special Considerations for California Residents

While SSDI is a federal program, California residents may also be eligible for additional state-based assistance, including:

• State Disability Insurance (SDI): A short-term program offering temporary wage replacement for up to 52 weeks.
• Medi-Cal: California’s Medicaid program, which provides health coverage for individuals with low income, including SSDI recipients after the mandatory waiting period.
• CalFresh: Formerly known as food stamps, this program may be available if you're on SSDI and meet income thresholds.

Medical Documentation Requirements

To prove eligibility, you’ll need detailed and consistent medical documentation:

• Records from doctors, hospitals, clinics, and specialists
• Test results, lab work, and treatment plans
• A written statement from your treating physician explaining how your condition prevents you from working

The more specific and thorough your documentation, the stronger your case.

How to Apply for SSDI in California

You can apply for SSDI in any of the following ways:

• Online at www.ssa.gov
• By phone at 1-800-772-1213
• In person at your nearest Social Security office (appointments recommended)

Make sure your application is complete and accurate to avoid unnecessary delays or denials.

What to Do If You’re Denied

Many first-time SSDI applications are denied. If this happens:

• You have the right to appeal the decision.
• You must file your appeal within 60 days of receiving your denial notice.
• The appeals process includes several stages, including reconsideration, a hearing, and possible review by the Appeals Council or a federal court.