Social Security Disability Work Credits (SSDI)

You must pass a recent work test and a duration of work test in order to be insured for SSDI.

In order to be eligible for Social Security disability insurance (SSDI, or SSD), you must have insured status for Social Security. This means you must have worked enough during the years before filing to have contributed a specific amount to the Social Security system (through FICA taxes deducted from your paychecks or by paying self-employment tax if you're not an employee).

Your Work History and Work Credits

The Social Security Administration (SSA) determines if you have worked enough to qualify for SSD by converting your earnings into work credits. The dollar amount it takes to earn one work credit is calculated annually. In the year 2019, you must earn $1,360 to get one Social Security work credit, or $5,440 to get the maximum four credits for the year. It doesn't matter in which quarters you do the work.

How much do you have to pay into Social Security to get disability benefits? As you can see, you need only earn a minimal amount of money to get credit for a year of paying into Social Security, so the question is really about how many years do you have to work to be eligible for disability.

How Many Work Credits You Need for SSDI Eligibility

The older you are, the more work credits you need to qualify for benefits. There are two tests you must pass that involve work credits: the "recent work test" and the "duration of work test."

Recent Work Test

If you are 31 or older, you must have worked at least 5 of the last 10 years to pass the recent work test. Put another way, you will need to have earned 20 credits (one quarter of work equals one credit) in the 10 years immediately before you became disabled.

If you are between 24 and 31, you must have worked at least half the time since turning 21. For example, if you are 29, you must have worked at least four years out of the last eight years (or have earned 16 credits in the last eight years).

If you are under 24, you must have worked at least one and a half years in the three-year period before disability (or have earned 6 credits in the last three years).

There is an exception to these rules for certain blind applicants.

Duration of Work Test

You must have worked the following number of years (or earned the following number of credits) to qualify for SSDI.

Became Disabled At Age

Number of Credits You Need

Number of Years of Work

21 through 24 6 1.5
24 through 31 6 to 18 1.5 to 4.5
31 through 42 20 5
44 22 5.5
46 24 6
48 26 6.5
50 28 7
52 30 7.5
54 32 8
56 34 8.5
58 36 9
60 38 9.5
62 or older 40 10

Disability Benefits for Those with Too Few Work Credits

Those who haven’t earned enough to qualify for SSD may still be eligible for disability benefits under the Supplemental Security Income (SSI) program. SSI has no work requirement, but applicants must be able to demonstrate financial need by having very low income.

Eligibility for Family Members

Family members of workers who are eligible for SSDI are eligible for dependents benefits through the SSDI program. For instance, a medically disabled adult child of someone who receives SSDI can receive benefits even if the adult child has never worked. Spouses, ex-spouses, and minor children can also be eligible for benefits. These family benefits are officially called auxiliary benefits; see our article on family SSDI benefits for more information.

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