How to Qualify for SSDI in Texas| Eligibility and Requirements

Author: Denis Clifford
Feb 23, 2026

Living with a serious disability can turn your world upside down. When you can no longer work and the bills keep coming, Social Security Disability Insurance (SSDI) can be a financial lifeline. But many Texans are unsure where to start, what the requirements are, or why so many initial applications get denied. This guide breaks it all down in plain language so you can approach the process with confidence.

What Is SSDI and Who Is It For?

SSDI is a federal program administered by the Social Security Administration (SSA). It provides monthly benefits to individuals who have a medical condition that prevents them from working and who have a sufficient work history. This is different from Supplemental Security Income (SSI), which is need-based. SSDI is earned based on the Social Security taxes you paid throughout your working years.

If you have worked for a number of years, paid into Social Security, and now find yourself unable to work because of a qualifying disability, SSDI may be exactly what you need.

Basic Eligibility Requirements for SSDI in Texas

Texas residents follow the same federal SSDI criteria as the rest of the country. To qualify, you generally need to meet two main conditions:

1. Work Credits

The SSA uses a "work credit" system. You earn credits by working and paying Social Security taxes. In most cases, you need 40 credits — 20 of which must have been earned in the last 10 years before your disability began. Younger workers may qualify with fewer credits. The number of credits you need depends on how old you are when your disability starts.

2. A Qualifying Medical Condition

Your disability must be medically determinable — meaning it must be documented by a licensed medical professional. The SSA also requires that your condition has lasted or is expected to last at least 12 months, or that it is expected to result in death. Temporary or short-term conditions do not qualify.

How the SSA Defines "Disability"

One of the biggest misconceptions about SSDI is what "disabled" actually means under federal law. The SSA definition is strict. You must be unable to do any substantial gainful activity (SGA) because of your medical condition. In 2024, SGA is defined as earning more than $1,550 per month (or $2,590 for blind individuals).

The SSA will also consider whether you can do any other type of work — not just your previous job. If they determine you could work in another field given your age, education, and work history, your claim may be denied even if you can no longer do your previous job.

Conditions That Commonly Qualify in Texas

The SSA maintains a list of medical conditions — called the "Blue Book" — that may automatically qualify you for disability benefits if your condition meets specific criteria. Some commonly approved conditions include:

Musculoskeletal disorders (back injuries, arthritis)
Cardiovascular conditions (heart failure, coronary artery disease)
Mental health disorders (severe depression, PTSD, schizophrenia)
Neurological conditions (multiple sclerosis, epilepsy, Parkinson's)
Cancer (depending on type and severity)
Respiratory disorders (COPD, asthma)
Immune system disorders (lupus, HIV/AIDS)

If your condition is not listed, you may still qualify through what the SSA calls a "medical-vocational allowance," where they evaluate how your impairment affects your ability to work.

The Application Process of SSDI in Texas: Step by Step

Applying for SSDI in Texas involves several steps. Understanding what's ahead can help reduce stress and improve your chances of approval.

File Your Application:

You can apply online at ssa.gov, call the SSA at 1-800-772-1213, or visit a local Social Security office in Texas. When applying, gather your medical records, work history, tax documents, and information about any doctors or hospitals that have treated you.

Initial Review and Decision:

The SSA reviews your application and sends it to Texas's Disability Determination Services (DDS) office. A team of medical and vocational experts evaluates your case. This process typically takes three to six months. Roughly 60-70% of initial applications are denied.

Reconsideration and Appeals:

If denied, don't give up. You have 60 days to request reconsideration. If denied again, you can request a hearing before an Administrative Law Judge (ALJ). Many applicants who are eventually approved win their case at the hearing level — especially when they are represented by an experienced disability attorney.

Why Working With a Texas Disability Attorney Matters

Navigating the SSDI system alone can be overwhelming, and a single paperwork error can cost you months of waiting. Social Security disability lawyers understand how to build a strong claim, gather the right medical evidence, and represent you at hearings. Most SSDI attorneys work on a contingency basis, meaning you pay nothing unless you win.

If you are unsure where to start, consider exploring resources like:

Tips to Strengthen Your SSDI Claim in Texas

See your doctor regularly and keep detailed medical records. Gaps in treatment can hurt your claim.
Be specific when describing your symptoms. Explain how your condition affects your daily life and ability to work.
Follow your prescribed treatment plan. Failing to follow medical advice without a good reason can result in denial.
Don't wait to apply. The process takes time, and SSDI back pay is calculated from your application date (or onset date).
Consider legal help early. An attorney can help you avoid common mistakes from the start.

Want to know about SSDI Benefits in Texas? Contact a lawyer

Qualifying for SSDI in Texas is not easy, but it is absolutely possible with the right information and support. The key is understanding what the SSA is looking for, building a strong medical record, and not giving up if your first application is denied. Thousands of Texans receive SSDI benefits each year — and with the right preparation, you can too.

If you have questions about your specific situation, speaking with a qualified Texas disability attorney can make all the difference. At FindTheLawyers, we help connect people with experienced legal professionals who can guide them through every step of the SSDI process.

Disclaimer: This article is for informational purposes only and does not constitute legal advice. For guidance specific to your situation, consult a licensed attorney in Texas.