Social Security disability is an insurance program for workers. It insures workers against the possibility that they will one day become unable to work. Then, it can replace part of their lost wages in the form of a disability benefit.
So, how does an individual become covered for Social Security Disability Insurance (SSDI)?
In 2020, a worker receives 1 work credit for each $1,410 earned in a calendar quarter, up to a maximum of 4 credits per year. (In previous years, it required less work to earn a work credit).
How many work credits does an individual need to have disability coverage and be able to file an SSDI claim?
Here is the rule of thumb for most workers: You need at least 5 credits out of the past 10 years. Stated another way: You should have worked at least 5 out of the past 10 years.
Very young workers may be required to have fewer credits due to their age.
We see unfortunate situations sometimes where an individual has recently become disabled but has not worked in several years. If there has been no work in 7 or 8 years, there are not enough work credits to support an SSDI claim. These individuals fail to meet the "insured status."
Supplement Security Income is Different
Social Security operates another program called SSI, or Supplemental Security Income. It does not require any work credits, but is based on financial need. If an individual is elderly or disabled, SSI may provide a benefit even though the claimant has not worked enough to have SSDI. Contact a local Social Security office to inquire about SSI benefits.
SOCIAL SECURITY JUSTICE in HUNTSVILLE
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