Which of the following best describes the process to qualify for Social Security Disability Insurance (SSDI)?

Qualifying for Social Security Disability Insurance (SSDI) involves multiple steps, but documenting previous work history and earnings is central to the process. SSDI eligibility is primarily based on the applicant's work history and the payment of Social Security taxes through their jobs. This work history establishes how many "work credits" an individual has earned, which is a crucial factor.

Moreover, applicants must demonstrate that they have a qualifying disability that meets the Social Security Administration’s stringent criteria. While submitting an application is essential and undergoing a medical examination can be part of the process, the crucial step lies in having a documented work history that shows a sufficient number of work credits. Therefore, option B accurately captures the essence of the qualifying process for SSDI.