Step 1: Review Your Work Credit Eligibility

Understand your current status:

• Work credits depend on your total earnings and years worked.
• Typically, you need 20 credits in the last 10 years to qualify for SSDI.
• Without enough credits, SSDI approval is unlikely.

Step 2: Consider Alternative Benefits

If SSDI isn’t an option:

• Supplemental Security Income (SSI) offers assistance based on financial need, not work history.
• SSI can provide monthly payments if you meet disability and income requirements.
• Applying for SSI might be a better fit if SSDI is denied.

Step 3: Understanding the Appeal Process

Appealing SSDI denials means:

• Filing a formal request within 60 days of the denial.
• The SSA reviews medical evidence and work history.
• Lack of work history typically remains a barrier unless you meet special conditions.

Step 4: Special Cases for Appeals

Some exceptions include:

• If you qualify as a disabled adult child or other special beneficiary category.
• Periods of military service may count toward credits.
• Certain medical conditions can give rise to allowances even with less work history.

Step 5: Collect Strong Medical Evidence

Your appeal should include:

• Robust medical documentation proving disability severity and duration.
• Professional opinions from treating physicians.
• Evidence that disability prevents any substantial gainful activity.