What are Illinois SSDI eligibility requirements?
By Hogan Smith
Updated 05/16/2025
If you live in Illinois and are unable to work due to a disabling medical condition, you might qualify for Social Security Disability Insurance (SSDI). However, the eligibility requirements are strict, and understanding them is key to a successful application. This guide explains the SSDI eligibility criteria for Illinois residents.
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Basic SSDI Eligibility Criteria
To qualify for SSDI, you must meet both work-related and medical requirements:
Work History and Credits
- SSDI is based on your work history and Social Security taxes paid.
- You need to have earned enough “work credits”—typically 40 credits, with 20 earned in the last 10 years (though younger workers may qualify with fewer credits).
- In Illinois, the work credit system follows the same federal guidelines.
Medical Disability Requirements
- You must have a severe medical condition that prevents you from performing substantial gainful activity (SGA).
- Your disability must be expected to last at least 12 months or result in death.
- The SSA maintains a Listing of Impairments (also known as the “Blue Book”) which includes conditions that automatically meet disability criteria if specific requirements are met.
Inability to Work
- The SSA will assess whether you can perform your past work.
- If not, they will evaluate if you can do any other work considering your age, education, and work experience.
The SSDI Application Process in Illinois
- Complete the Application: Apply online at ssa.gov, by phone, or at a local SSA office in Illinois.
- Submit Medical Evidence: Provide detailed medical records, doctor’s notes, test results, and treatment history.
- Cooperate with Disability Determination Services (DDS): Illinois DDS handles the medical evaluation portion of your claim.
- Follow Up Regularly: Keep track of your application status and respond to any requests for additional information.
Common Reasons for SSDI Denial in Illinois
- Incomplete applications or missing documentation.
- Insufficient medical evidence.
- Earning income above the SGA limit.
- Failure to prove that your disability prevents you from working.
Understanding these pitfalls can help you avoid unnecessary delays or denials.
Illinois Resources for SSDI Applicants
- Illinois Social Security Field Offices for in-person assistance.
- Illinois Department of Human Services (IDHS) for state disability programs.
- Local disability advocacy groups offering guidance and support.
How Hogan Smith Can Help
Applying for SSDI in Illinois can be overwhelming, especially with strict eligibility criteria. Hogan Smith is here to help Illinois residents by:
- Evaluating your SSDI eligibility before you apply.
- Assisting in gathering and organizing critical medical evidence.
- Ensuring your application is thorough and accurate.
- Representing you through appeals if your claim is denied.
- Providing guidance every step of the way to increase your chances of approval.
Contact Hogan Smith Today
If you’re wondering whether you meet the Illinois SSDI eligibility requirements, contact Hogan Smith for a free consultation. Our experienced team is ready to guide you through the process and help you secure the benefits you deserve.
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