Step 1: Review Eligibility Requirements

Before you file, make sure you meet the SSA’s basic criteria:

• Work Credits – Most applicants need about 40 credits, with 20 earned in the last 10 years. Younger workers may qualify with fewer.
• Medical Condition – Your disability must prevent you from working for at least 12 months or be expected to result in death.
• Substantial Gainful Activity (SGA) – In 2025, if you earn more than $1,550/month (or $2,590/month if blind), you may not qualify.

Step 2: Gather Required Documentation

Strong medical and work evidence will support your claim. Collect:

• Medical records, doctor’s notes, and test results
• Hospital records, treatments, and prescriptions
• Work history details (jobs held in the past 15 years)
• Proof of income and tax records

Step 3: File Your SSDI Application

In Minnesota, you can apply in three ways:

• Online – Apply at www.ssa.gov for convenience and faster processing.
• Phone – Call the SSA at 1-800-772-1213.
• In Person – Visit your local SSA office in Minnesota to file directly.

Step 4: SSA Review Process

After submission, the SSA and the Disability Determination Services (DDS) office in Minnesota will:

1. Confirm your work credits.
2. Review your medical evidence.
3. Determine whether your disability prevents you from working.

This stage can take several months, depending on case complexity.

Step 5: Receive Decision or File an Appeal

• If approved, you’ll begin receiving SSDI benefits, including possible back pay.
• If denied, you can file an appeal starting with reconsideration and moving through hearings if needed.