Social Security Disability (SSDI) Benefits

Social Security Disability Benefits, also referred to as SSDI or Title II benefits, is a monthly benefit paid by Social Security to people who have a qualifying disability that stops or limits their ability to work.

If an individual continues to work, their condition must also limit them from earning income above an amount the SSA calls “substantial gainful activity” (SGA). In 2025, SGA is $1,620 per month, or $2,700 if you’re considered blind under our rules. They will use different rules to determine SGA if someone is self-employed.

To be considered disabled under the SSA rules, an individual must:

• Have a condition or injury that will prevent you from engaging in SGA for a continuous period of at least 12 months, or be considered expected to result in death

• Must have accumulated sufficient work credits by working and paying FICA (Social Security) taxes. Generally, this means you have worked for five (5) of the last ten (10) years. The exact number of credits will vary with age.

• Your medical condition must be severe enough that it prevents you from performing your past relevant work, and you cannot adjust to any other type of work that exists in the national economy.

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Need help?

At Advocator Advantage, a Brown & Brown Company, we are committed to helping individuals navigate the complexities of Social Security Disability Insurance (SSDI), Medicare, and the Ticket to Work program.

Have questions?

At Advocator Advantage, we understand that navigating SSDI, Medicare, and the Ticket to Work program can be complex and overwhelming. That’s why we’re here to address any questions or concerns you may have along your journey.