Key SSDI Eligibility Requirements in Arizona

Work Credits Requirement

To qualify for SSDI in Arizona, you must have earned enough work credits by working in jobs covered by Social Security and paying into the system:

• Most applicants need 40 work credits, 20 of which must have been earned in the last 10 years leading up to your disability.
• Younger individuals may qualify with fewer credits based on age.

Meeting the SSA’s Definition of Disability

You must meet the federal definition of disability:

• Your condition must prevent you from performing substantial gainful activity (SGA).
• Your disability must be expected to last at least 12 months or result in death.
• Your condition must be medically verifiable through documentation and treatment history.

Medical Evidence Supporting Disability

Your medical records must show:

• Diagnosed medical or mental health conditions.
• How these conditions limit your ability to work.
• Treatments, medications, and their effects on your condition.

Satisfying the SSA’s Five-Step Disability Evaluation Process

The SSA will evaluate your claim through a five-step process:

• Step 1: Are you working above the SGA level?
• Step 2: Is your condition severe enough to limit basic work activities?
• Step 3: Does your condition meet or equal one on the SSA’s Listing of Impairments?
• Step 4: Can you perform your past relevant work?
• Step 5: Can you adjust to other types of work based on your age, education, and skills?

Arizona Residency

While SSDI is a federal benefit, you must apply through your local SSA office in Arizona and ensure your medical records reflect care from Arizona providers when possible.