If you have a chronic injury or illness that prevents you from working, it may be a good idea to apply for Social Security disability insurance. This government-funded program gives you financial assistance that you normally wouldn't need could you work. To make applying for these benefits less difficult, take these actions.  Understand the Qualifying Criteria  Applying for SSDI (Social Security disability insurance) is quite a lengthy process, and because of this, you want to make absolutely sure you're eligible before proceeding any further.