In order to qualify for Social Security Disability Insurance (SSDI) through the Social Security Administration (SSA), you need to have a minimum number of work credits. Without them, even if you have a qualifying disability, your application for SSDI benefits will be rejected. But what exactly are work credits, and how are they important when it comes to determining if you receive SSDI benefits?
What Are Work Credits?
In simple terms, work credits are a measurement of the amount of paid work you have done over the course of your career. More specifically, they are a measurement of the amount of money paid in Social Security taxes as a result of tax paid on earned income. They are a mandatory requirement to qualify for SSDI benefits, and you need to demonstrate that you have earned enough credits as part of the application process.
How Do You Earn Work Credits?
To earn work credits, you must earn a certain amount of income, whether as a result of employment with a business or organization, or as a result of being self-employed. In 2026, you can earn one work credit for $1,890 of earned income, with a maximum of four work credits per year by earning $7,560. Fortunately, you do not need to earn the income throughout the year, and can earn it in a single payment (such as from a commission or other one-time compensation).
How Many Work Credits Do You Need?
For anyone 31 years old or older, you need to earn forty work credits to qualify for SSDI, twenty of which must have been earned in the past ten years. For anyone younger than that, the amount of work credits you need is reduced based on your age, with those 24 or younger only needing six work credits, which must have been earned in the three years prior to applying. Those between 24 and 31 will need to calculate their required number of credits based on their age, which can be found here.
What Should You Do?
If you are unsure if you qualify for SSDI benefits, or otherwise struggle to obtain disability benefits, you should speak to a lawyer with experience handling disability law matters. The attorneys at Sullivan and Kehoe can help you fill out your application, giving you the best possible chance of getting the benefits you deserve. They can also help you appeal if your application is denied.
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.
