Five Things You Need to Know About SSDI Work Credits

If you want to apply for Social Security Disability Income (SSDI), you need to make sure you need to have a sufficient amount of work credits to qualify. However, not everyone understands what work credits are, or how you know if you have enough. That is why you should make sure you know these five things about work credits before you apply for SSDI benefits:

 

  1. The number of work credits you need may vary based on age
    • For anyone 31 years old or older, you need to have 40 credits to be able to access SSDI benefits, 20 of which need to have been earned in the last ten years before you applied for disability benefits. However, people between the ages of 24 and 30 can qualify by having enough credits for half the time between when you turned 21 and when you applied for disability benefits. People under the age of 24 can qualify for SSDI with just six credits in the three years before they applied for disability benefits.
  2. You earn work credits by working and paying taxes
    • The way you earn work credits is by earning money via employment or self-employment, which you then pay Social Security taxes on. This means you must either be working as an employee or an independent contractor, or you must be paid income through your own business. The amount of credits you earn is dependent on how much money you make, although most people with regular employment will easily make the maximum number of credits they can earn per year.
  3. You can earn up to four work credits per year
    • You can earn four credits per year, one per financial quarter. As of 2023, one work credit represents $1,640 in covered earnings per financial quarter, or $6,560 for the year. This means that if you earned $6,560 or more for the year, you will get the full four credits for the purposes of qualifying for SSDI.
  4. You can earn all of your work credits for a year all at once
    • That being said, you do not need to be paid that income evenly throughout the year. So long as you make the necessary amount during the year, it will count towards the work credits you receive. For example, if you are unemployed for three of the four fiscal quarters, but receive $7,000 in income for the last fiscal quarter of the year, you will still get the benefit of all four credits.
  5. Even if you don’t have enough work credits, you may have other options
    • If you do not have a sufficient number of work credits, that does not mean you cannot get access to disability benefits. For example, you may be still eligible for Supplemental Security Income (SSI). However, to know what may work for you, the best thing you can do is speak to a lawyer with experience handling disability benefits claims, who can help you through the process.

If you or a loved one need assistance applying for SSDI or SSI benefits, it is important that you seek the guidance of an experienced Social Security Disability benefits lawyer. The lawyers at Sullivan & Kehoe, LLP have over 50 years of combined experience between its attorneys and are available to you or your loved one in obtaining Social Security Disability or Supplemental Security Income benefits. To schedule a consultation with our New York Social Security Disability benefits lawyers, call (631) 823-7155.

Economists Predict Drop in COLA to 3.1% Next Year

In 2023, recipients of Social Security benefits, including Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) saw a record Cost of Living Adjustment (COLA) of 8.7%. This was the largest increase in the COLA since 1981, a significant increase in the amount of money they received. However, economists are forecasting a much more modest increase of 3.1% this year, as economic conditions begin to settle.

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Five Problems You May Run Into During Your SSDI/SSI Application

The process of applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) can be difficult and long, and any mistake may potentially lead to serious setbacks. If you are careful, however, nearly any problem you encounter can be addressed. Beware these five problems that you may run into while filling out your SSDI or SSI application:

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Five Things to Do to Prepare For Your DDS Interview

If you successfully get through the first steps of your application for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), you will likely be asked to visit Disability Determination Services (DDS). There, you will be subjected to an interview and medical examination to determine if your condition qualifies you for disability benefits. Here are five things you should do to prepare for your DDS exam:

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Five Reasons to Get Legal Assistance For Your SSDI/SSI Application

When people try to apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), often they will try to fill out their applications on their own. They may believe that getting legal assistance with their applications is unnecessary, an extra expense on top of everything else they need to fill out their application. However, there are many reasons you may want to get legal assistance with your SSDI or SSI application:

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Five Questions to Avoid Social Security Disability Denial

If you are looking to apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, you will need to make sure you have everything you need to qualify. However, not everyone knows what they will need, or what might cause them to have their application denied. Here are five questions you should ask yourself to avoid a Social Security disability denial:

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SSA and OIG Raise Awareness of Fraud on “Slam the Scam” Day

The Social Security Administration (SSA), in partnership with its Office of the Inspector General (OIG), have teamed up to raise awareness of Social Security fraud on “Slam the Scam” Day. This day, held on March 9, is meant to help people become more aware of the large number of scam artists that target Social Security recipients, including those receiving Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits. The goal is to help prevent vulnerable people from falling prey to fraud that can cost them money, time, and financial security.

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Five Common Paperwork Errors on SSDI/SSI Applications

Every year, millions of people apply for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits. However, a shocking number of applicants get denied for simple paperwork errors, which might be avoided with due care. Here are five common mistakes you should avoid on your paperwork when applying for SSDI or SSI:

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Why Did SSDI and SSI Payments Go Up in 2023?

Recipients of Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) may have noticed that their payments went up dramatically at the beginning of 2023. While not unwelcome, it may seem odd why SSDI and SSI payments went up so much. Why did this happen, and what does it potentially mean for the future of SSDI and SSI?

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Five Mistakes to Avoid in Your Social Security Disability Application

If you are looking to apply for Social Security disability benefits, getting your application right can make the difference between getting the benefits you deserve and getting rejected outright. However, as many as half of all applications for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are rejected due to avoidable mistakes. Make sure to avoid these five mistakes if you want to maximize the odds of your disability application being accepted:

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Additional Locations

EASTERN SUFFOLK COUNTY
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(Opposite Social Security Office)

WESTCHESTER COUNTY
75 S Broadway
4th Floor
White Plains, NY 10601

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