Work Credits Needed

The amount of work credits needed to qualify for Social Security Disability Income (SSDI) depends on your age at the time you became disabled.  If you are under the age of 24, you must earn at least six work credits from the year in which you turned 21 years old to the date you became disabled.  If you are between the age of 24 and 31, you need to earn at lease one-half of the potential work credits from the year you turned 21 years old.  For example, if you became disabled at the age of 28, you need to have earned at least 14 work credits (7 years x 4 potential work credits per year = 28, 28 x ½ = 14).  If you are disabled and over the age of 31, you must earn 20 work credits within 10 years of the date you became disabled.  If you are over 31 years old and become disabled, the amount of work credits needed are:

Age 31-42: 20 work credits

Age 44: 22 work credits

Age 46: 24 work credits

Age 48: 26 work credits

Age 50: 28 work credits

Age 52: 30 work credits

Age 54: 32 work credits

Age 56: 34 work credits

Age 58: 36 work credits

Age 60: 38 work credits

Age 62 or older: 40 work credits

For information on how to calculate work credits, see last week’s blog titled Social Security Disability Work Credits.