SSD Work Requirements
Social Security Disability Eligibility & Work Credits
If you want to apply for and receive Social Security Disability Insurance
(SSDI) benefits, you will need to meet certain
requirements. In addition to meeting
disability requirements set forth and enforced by the Social Security Administration (SSA), you
must have worked recently enough and for a certain period of time in order
to be considered "insured" by the SSDI program. Understanding
the amount of work credits needed can make a big difference as you determine
whether you are eligible.
At Shook & Stone, our firm is committed to helping disabled workers
seek Social Security disability, or SSD, benefits. We understand that
the claims process can be difficult and that approximately two-thirds
of initial disability applications are
denied. With our experience in handling requests for reconsideration, hearings
and appeals, our
Las Vegas Social Security disability lawyers can help workers and their families through the claims process to successful results.
While you are always welcome to call our offices for a free consultation,
you can also learn more about SSD work requirements by reviewing the following
How do I earn work credits?
Work credits are earned by being gainfully employed; that is, by working
and earning money for doing so. Work credits are calculated based off
your yearly earnings. The amount of earnings equivalent to one work credit
varies from year to year, depending on the economy and other factors.
In 2014, for example, you can earn one credit for every $1,200 in wages
or self-employment income. You can only earn up to four work credits in one year.
How many credits are required for SSD eligibility?
The number of work credits required to qualify for disability benefits
will vary depending on your age. The standard number, however, is 40 credits
with 20 earned within the past 10 years. Younger workers may be able to
qualify with fewer credits. The following are work credit requirements
for SSD benefits, as of 2014:
- If you are younger than 24, you may qualify if you have earned 6 work credits
within the past 3 years.
- If you are aged 24-31, you may qualify if you have credits for working
half the time between age 21 and the time of your disability. If you were
29 when you became disabled, for example, you would need credits for 4
years (16 credits) out of the past 10 years.
- If you are aged 31-42, you will need 20 work credits to qualify.
If you are aged 44-62, the number of work credits you need will vary depending
on your age:
- 44 years old: 22 credits
- 46 years old: 24 credits
- 48 years old: 26 credits
- 50 years old: 28 credits
- 52 years old: 30 credits
- 54 years old: 32 credits
- 56 years old: 34 credits
- 58 years old: 36 credits
- 60 years old: 38 credits
- If you are 62 years or older, you need the standard amount of 40 work credits
Contact a Las Vegas SSDI Attorney for Additional Information
If you have questions about a denied claim, are about to begin the process of
applying for disability benefits or are dealing with any type of issue related to your claim, please do
not hesitate to call our firm. Representing workers throughout Nevada
from our offices in Las Vegas, we are prepared to offer the experienced
guidance and legal counsel you need.