To qualify for SSDI, you must have accumulated sufficient work credits. These credits are earned through your annual wages or self-employment income, with up to four credits available each year. The total number of credits required to qualify for SSDI hinges on your age when you become disabled.
According to the Social Security Administration, the general threshold is 40 credits, 20 of which must be earned in the decade before your disability onset. However, younger workers may qualify with fewer credits. This system ensures that SSDI benefits are accessible to those who have contributed significantly to the workforce over their careers.
Understanding Work Credits for SSDI
Work credits for SSDI are the building blocks of eligibility. Each credit represents your financial contributions to the Social Security fund through taxes. In 2023, one work credit equals $1,640 in wages or self-employment income, and you can earn up to four credits per year.
Age and Work Credits: What You Need to Know
The number of work credits needed varies by age. For instance, if you become disabled before age 24, you might qualify with as few as six credits earned within the three years leading up to your disability. The requirements increase as you age, emphasizing the need to maintain consistent employment to secure future benefits.
Why Consult a Disability Attorney?
Navigating the complexities of SSDI can be daunting. If you’re uncertain about your work credit status or how to proceed with an SSDI claim, consulting with a seasoned social security disability attorney is crucial. At Peña & Bromberg, we specialize in guiding clients through these intricate processes, ensuring they receive the benefits they deserve.
Remember, the duration you need to work to qualify for SSDI benefits can vary based on several factors, including your age and work history. Therefore, it’s essential not to delay securing your financial stability through SSDI benefits.
At Peña & Bromberg, we operate on a contingency basis—“No Fee Unless We Win”—emphasizing our commitment to securing your rights without upfront costs. For more information or to discuss your case, contact us for a free consultation.
Don’t wait to secure your financial disability with SSDI benefits. Your contributions matter, and we’re here to ensure that your rights are fully protected.
