Understanding SSDI Work Credits

Whenever you buy insurance, it is understood that you cannot qualify for benefits unless you have paid the premiums on your policy. SSDI works in much the same way. The Social Security Administration mandates that anyone seeking benefits must have obtained the necessary work credits.

How Do SSDI Credits Work?

The number of credits you earn in a single year is based on how much taxable income you earn. The dollar amount associated with each credit changes over time, but no one can earn more than four credits per year. In 2016, one work credit was approximately equal to $1,260 in income.

Recent work history is also a factor in eligibility. If you have the necessary number of work credits for your age (the age at which you became disabled), a certain proportion of those credits need to have been earned in recent years.

There are special rules for those who become disabled before age 31. Below is a chart listing required work credits in your 30s and beyond:

Age At Which You Became Disabled

Required Number Of Credits*

31 through 42

20

44

22

26

24

48

26

50

28

52

30

54

32

56

34

58

36

60

38

62 and above

40

*For all ages listed in the chart above, you must have earned at least 20 of your credits in the 10 years prior to becoming disabled, unless you are blind.

An Experienced Lawyer Advocating For Disabled California Workers

Our firm is proud to help California workers seek benefits for Social Security Disability Insurance, Supplemental Security Income and workers' compensation. While these programs can be frustratingly bureaucratic, the help of a good attorney can save you time, stress and worry.

Questions About SSDI Eligibility? Contact Us For Answers.

The Law Office of Ronald M. Stein, Attorney at Law, is located in Stockton and serves clients throughout the Central Valley. To take advantage of a free initial consultation, call us at 209-751-4370 or fill out our online contact form.