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According to the Social Security Administration, to qualify for SSDI, a person must be unable to work because of a mental or physical impairment that has lasted, or is expected to last, for at least 12 months, or is expected to result in death. He or she also must have worked and paid into the program (payroll taxes) for five of the last 10 years, and additionally, has become disabled before reaching full-retirement age (65-67).

Allsup representatives have helped more than 100,000 people receive SSDI benefits, so they know that applying for and receiving an award is only a part of the solution to the difficulties that face people with disabilities and their families.

But applying is a crucial step. More information can be found in the online section, “Why You Want SSDI.”

Next Step: Evaluate Resources

Another important step for individuals who no longer can work is to pause and evaluate their financial circumstances with an eye on the long term.

“Keep in mind that the average SSDI recipient does not receive an award of benefits until many months after the initial application. For many people, the application, denial and appeals process can take two years or more to finally result in regular monthly SSDI benefits,” Gada said.

The following are resources that individuals can consider when assessing their financial situation and the potential to increase cash flow, helping offset lost income: