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Work credits and qualifying for SSDI benefits

| Dec 9, 2015 | Social Security Disability

It can be difficult for disabled people to provide for their own needs. While it may be difficult to physically undertake certain tasks, it can be even more difficult for disabled people to financially afford the things they need. This is often because their disability makes it difficult for them to work. The Social Security Administration may be able to help people in Michigan who are living with disabilities. If a person qualifies for Social Security Disability Insurance benefits, the person can receive monthly income to help pay for the person’s basic expenses.

However, there are a series of eligibility requirements that must be met in order for a person to qualify for SSDI benefits. One of these important eligibility requirements is that a person must have enough work credits qualify.

In general, a disabled individual must have at least 40 work credits in order to qualify for SSDI benefits. At least 20 of these 40 work credits must have been earned in the last 10 years before the person became disabled.

According to the SSA, people earn work credits by earning wages. Specifically, a worker can earn one credit for every $1,220 of wages or income the person makes. However, there is a limit of four work credits per year.

In certain situations, younger workers can qualify for SSDI benefits with fewer work credits. For example, workers who were under the age of 24 when they become disabled only need six work credits in a three-year period to qualify for SSDI benefits.