Work Credits Required for Social Security Disability

Several factors determine how many work credits you need to be eligible for Social Security disability benefits. The number of work credits required is dependent on your age when you do become disabled. Additionally, work credits have to be earned within a given time period. Most commonly, you must have earned 20 credits within 10 years up until the year in which you became disabled.

If you are 31 or younger, you may qualify for Social Security disability with less credits. If you became disabled before the age of 24, you must have earned 6 credits during a 3-year period that ended when you became disabled. If you became disabled between the ages of 24 and 31, you must have credits for half of the time between age 21 and the age when your disability started. For instance, if you worked during the years from age 21 to 27 (the time you became disabled), you need to have credits for half of the time, which would be three years or 12 credits (4 credits per year). If you have questions about your earned work credits, you may contact a Social Security disability lawyer who is an expert on Social Security law.

Example:
Jane is wondering if she has enough work credits to be eligible for Social Security disability benefits. Jane is considered as a younger applicant and needs less work credits than an older worker. Jane is 30 years old and became disabled in a car accident. Jane worked off and on, until she became disabled at the age of 30. To be eligible for Social Security disability, Jane must have work credits for half the time between age 21 and 30. Since there are 9 years between age 21 and 30, Jane must have work credits for half that time, which is 4 1/2 years. You can earn a maximum of 4 work credits for every year that you work. Therefore, Jane must have a total of 18 work credits to be eligible for Social Security disability benefits. If Jane needs more information about her earned work credits, she may contact a Social Security disability lawyer who is an expert on Social Security law.

If you have a question about social security law or want to file a social security claim in California, contact the Law Office of Louis J. Vigorita now.