1. Work Credit Requirements

To qualify for SSDI, you must have worked long enough and recently enough to earn Social Security work credits:

• You can earn up to 4 work credits per year.
• Most workers need 40 credits total, with 20 credits earned in the last 10 years before becoming disabled.
• Younger applicants may qualify with fewer credits.

2. Medical Eligibility Requirements

The SSA has strict definitions of disability:

• Your condition must be severe enough to prevent substantial gainful activity (SGA).
• In 2025, earning over $1,550 per month (before taxes) may disqualify you, unless you’re blind, in which case the limit is higher.
• The disability must have lasted, or be expected to last, at least 12 months or result in death.
• Your medical condition must be supported by objective medical evidence such as test results, treatment notes, and specialist reports.

3. Qualifying Conditions

You can qualify for SSDI in Missouri if your impairment is listed in the SSA’s Listing of Impairments (Blue Book) or is medically equivalent to a listed condition. Common categories include:

• Musculoskeletal disorders (e.g., back injuries, joint problems)
• Neurological disorders (e.g., multiple sclerosis, epilepsy)
• Mental health conditions (e.g., depression, PTSD, bipolar disorder)
• Respiratory illnesses (e.g., COPD, chronic asthma)
• Cardiovascular diseases (e.g., heart failure, coronary artery disease)

4. Missouri–Specific Processing Information

While SSDI rules are federal, your application will be reviewed by Missouri Disability Determination Services (DDS), located in Jefferson City. They are responsible for gathering medical evidence, contacting doctors, and making the initial decision.

5. Additional Documentation You’ll Need

When applying for SSDI in Missouri, be prepared to provide:

• Proof of identity (birth certificate, Social Security card)
• Detailed work history
• Comprehensive medical records
• List of medications and treatments
• Statements from healthcare providers about your work limitations

6. Common Reasons for Denial in Missouri

• Insufficient medical proof of disability.
• Failure to follow prescribed treatment.
• Earning income above the SGA limit.
• Gaps or inconsistencies in medical documentation.
• Not meeting work credit requirements.