ssd work credit requirements

How Do I Know If I Have Enough Work Credits for Disability Benefits?

By Kenton Koszdin on February 20, 2013

In most cases, a person seeking Social Security Disability Insurance (SSDI) benefits based on his or her own work record will need a certain amount of work within a recent time period in order to qualify for benefits. This is known as the “work credit” requirement.

The work credit requirement is based on two factors: how many credits you have overall and how many you earned in the 10 years immediately before you became disabled. Workers may earn up to four credits a year, based on income. Special rules apply for younger workers, who have had less time in the workforce to earn credits. For instance:

  • Workers under age 24 qualify if they have six work credits in the three years before their disability began.
  • Workers ages 24 to 31 qualify if they have credits for half the years they’ve worked between age 21 and their current age. For instance, a 27-year-old would need 12 credits, or four credits for each of three years.
  • Workers 31 or older need the number of credits listed in the SSA’s chart, which can be viewed at At least 20 of the credits must be earned in the last 10 years.

If you aren’t sure whether you qualify for benefits based on your work record, don’t let this uncertainty delay your application. Even if you qualify now, waiting to file may mean that you no longer qualify in the future. An experienced attorney can help you apply promptly.

If you’re wondering whether it’s time to file for disability benefits, or you’ve already filed and you’re fighting a denial or other dispute, don’t wait. Call the experienced southern California Social Security disability benefits attorneys at the Kenton Koszdin Law Office today. Our number is (888) 438-7734 and your initial consultation is free and confidential.

This site complies with Business and Professions Code §5499.30 (Unlawful Advertising of Legal Services to Obtain Workers' Compensation Benefits); Labor Code §9823 (General Workers' Compensation Advertising Rules).; and Labor Code §5432 (Advertisement to Solicit Workers' Compensation Claims; Mandatory Notice or Statement).

Making a false or fraudulent workers' compensation claim is a felony subject to up to 5 years in prison or a fine of up to $50,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

The information you obtain at this site is not; nor is it intended, to be legal advice. You should consult an attorney for individual advice regarding your own situation. The information presented at this site should not be construed to establish a lawyer/client relationship.

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