SSDI and SAHM's - losing eligibility if home more than 5 years?
I don't quite understand what you are asking.... are you wanting to apply for SSDI right now?
Why don't you apply right now? The older you get the more "credits" you need. If you've not been working for 2.5 years, you could be jeporadizing your elgibility based on work history (meeting the medical criteria is a completely separate battle)