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How Many Work Credits Do I Need to Qualify for Social Security Disability?

By Kenton Koszdin Law Office on March 12, 2013 | In Social Security Disability

If you are applying for Social Security Disability (SSD) benefits based on your own work record, you must have a certain minimum number of “work credits” in order to qualify. Each “work credit” equals a certain amount of money earned from working each year, and a worker may earn up to four “work credits” each year. In addition, a certain number of the credits (usually 20) must be earned within the ten years immediately before you file for disability benefits.

The number of work credits you need to qualify for SSD benefits depends on your age. Young workers need fewer work credits than older workers. For instance, before age 24, you need to have earned only six work credits within three years. From ages 24 to 31, you need credit for working at least half the years between age 21 and the age at which you become disabled.

From ages 31 to 42, you need 20 work credits. After age 42, the number of required work credits increases by two credits every two years; for instance, at age 44 you need 22 credits, at age 46 you need 24 credits, and so on. At least 20 of these credits must be earned in the 10 years immediately prior to your disability.

If you need help applying for benefits or appealing a denial of benefits, don’t wait: contact the skilled southern California Social Security disability benefits attorneys at the Kenton Koszdin Law Office. We can help you ensure you get the benefits you’re entitled to. Contact us today for a free and confidential case evaluation.

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