To be entitled to Social Security disability insurance (SSDI) or retirement benefits, or for your spouse and children to be eligible for dependents and survivors benefits, you must be insured according to the Social Security Administration's (SSA's) guidelines. To be insured, you must have earned enough work credits from jobs where you paid Social Security taxes (FICA taxes or self-employment taxes).
Work credits are accrued based on the amount of wages or self-employment income reported on your record annually. How much you need to earn for one work credit changes each year (in 2024, it's $1,730 per credit). You can earn up to four work credits per year, regardless of how high your earnings are. (Learn more about how you earn Social Security work credits.)
Which benefits are available to you and your dependents depends on whether Social Security considers you "fully insured" or "currently insured."
Whether you qualify as "fully" or "currently" insured depends on how many work credits you've earned. When you're "fully insured," you and your family are entitled to a broader range of Social Security benefits than someone who's only "currently insured."
To be fully insured for retirement or disability benefits, you need between 6 and 40 work credits, depending on your age. And you must have earned at least 1 work credit for each year between the year you turned 21 and the year you turn 62. (20 C.F.R. § 404.110(b).) Note that to earn 40 credits, you generally must have worked enough to earn the maximum of 4 credits a year for the past 10 years.
Whether or not you're insured for disability benefits also depends on how old you are when you become disabled (more on this below). But you can't get disability unless you're fully insured.
You need only be currently insured for some benefits. For example, if you're currently insured and you have end-stage renal disease (ESRD), you can get Medicare Part A for free.
To qualify as "currently insured," you must have earned at least 6 work credits during the 13-quarter period ending with the quarter you become disabled (or pass away). That's about three years.
Being currently insured doesn't entitle you to disability or retirement benefits for yourself, but limited benefits are available to your survivors if you had children. These survivor benefits are discussed below.
You can only receive SSDI benefits if you're "insured for disability benefits." Social Security considers you "insured for disability benefits" if:
The survivors of fully insured workers are entitled to more benefits than the survivors of currently insured workers.
The following Social Security benefits are available to fully insured workers (or their dependents):
The following benefits are the only benefits available to the survivors of workers who were only currently insured:
The mother's or father's benefits might also be available to a surviving ex-spouse.
You need to understand how Social Security divides the year into quarters to understand exactly when someone becomes "currently insured." Social Security quarters are as follows:
To determine whether someone was currently insured at the time of death, subtract three years from the year the person died. The 13-quarter period begins with the quarter three years ago corresponding to the person's death. So, if someone died in the second quarter of 2024, the 13-quarter period begins with the start of the second quarter of 2021.
And remember, to be currently insured, a worker must have earned at least six work credits during that 13-quarter period. Consider the following examples.
Determining whether you or your family members are eligible for Social Security benefits can be a complicated process. If you're unsure about your eligibility for benefits, speaking to an attorney with experience in Social Security matters can be helpful.
Learn more about finding and working with a Social Security attorney.
Updated January 17, 2024
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