Work Credits and SSDI

When you are suffering from a disabling condition and are no longer able to financially support yourself, you may be eligible for Social Security Disability Insurance (SSDI) benefits. This is a government run program that allows those who are unable to continue working to obtain a monthly disability benefit that they can use to provide for themselves while they are unable to earn a living.

However, SSDI isn’t geared towards those suffering from a temporary disability. In fact, there are very strict requirements for someone to be eligible for SSDI. Below we review some of these requirements including how much work you need to have put in over the years to qualify for SSDI benefits.

Eligibility for SSDI

In order to qualify for SSDI, you must first be able to demonstrate that you are physically incapable of work. This includes any previous positions you might’ve held, as well as work in any other types of industries. Only those who are completely unable to work will be approved for SSDI.

The Social Security Administration (SSA) has developed a list of conditions that will nearly always qualify for SSDI benefits. However, just because your condition isn’t listed on the SSA’s list of qualifying conditions doesn’t mean that you won’t be eligible for benefits.

As long as your medical documentation explicitly states that you are no longer able to continue working in any industry, you should be approved for SSDI benefits. It’s important to note that your medical documentation will be independently reviewed by SSA physicians and is subject to denial if they believe your condition is not entirely debilitating.

How Much Work Do You Need to Qualify?

Another key component to SSDI benefit approval is having worked a minimum amount of time where you already paid into the SSDI program through the taxes taken out of your paychecks. Generally speaking, this means that you’ll earn 1 credit for every $1,320 you earn annually.

You are only able to earn 4 work credits each year, and the amount you need to earn per credit is subject to change every year. This figure is current as of 2018. Before you can qualify for SSDI benefits, you need to earn a total of 40 credits.

Now, this might not seem like a big deal, you just work for 10 years and can qualify right? Unfortunately no. At least 20 of the credits you earn must be done within the 10 years prior to your diagnosed disability.

You may be wondering how this will impact you if you are seeking SSDI benefits for your disabled child. Fortunately, children who have qualifying conditions can typically be exempt from this rule or have their work credits reduced significantly if they are of working age. If you have any further questions in regards to work credits and SSDI as a whole you can discuss them with your attorney.

Speak with a Knowledgeable SSDI Lawyer

If you aren’t sure if you qualify for SSDI based on your work credits, or if your claim has been denied and you believe you do meet the requirements for approval, get help from an SSD attorney who can work with you to appeal your case.

When you need financial assistance due to a disabling condition after you’ve put in years of work to insure your benefits, you shouldn’t just sit back and accept a denial. Your attorney will work diligently to do whatever it takes to obtain the benefits to which you’re entitled.