Work Credits for Social Security: How Much Work is required for SSDI?

In order to qualify for “regular disability” (also called, disability insurance benefits, DIB, RSDI, and “Title II” or “Title 2” benefits) you must have worked long enough, paid in long enough–and recently enough–under Social Security to qualify for disability benefits (addition to meeting Social Security’s definition of disability).

Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.

The amount needed for a credit changes from year to year. In 2013, for example, you earn one credit for each $1,160 of wages or self-employment income. When you’ve earned $4,640, you’ve earned your four credits for the year.

The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.

IMPORTANT: Remember that whatever your age is, you must have earned the required number of work credits within a certain period ending with the time you become disabled. Your Social Security Statement shows whether you meet the work requirement at the time it was prepared. If you stop working under Social Security after the date of the Statement, you may not continue to meet the disability work requirement in the future.

Click here to learn what Social Security means by “disability.”