What are the work history requirements for SSDI benefits?

On Behalf of | Jan 21, 2025 | Social Security Disability Insurance |

The Social Security Administration (SSA) looks closely at medical documentation when reviewing SSDI applications. The applicant’s work history is also an important consideration. How long does a worker need to keep their job to be eligible for SSDI benefits?

Even part-time workers can qualify

The SSA does not require a certain amount of time at a specific job. Instead, what matters is the overall employment and earnings history of an applicant. Workers who make contributions toward Social Security accrue credits.

As of the beginning of 2025, the SSA grants one credit for every $1,810 earned. Every worker is subject to a maximum of four credits earned per year. Most SSDI applicants need a total of at least 40 credits. They also need a more recent work history, as at least 20 of their credits should be from within the last 10 years. Even those who only work a few shifts per week may earn more than enough to accrue four credits each year.

A long-term work history isn’t always necessary either. Younger workers who may not have more than a decade of employment history can still qualify. There are more permissive rules for younger applicants. Some people with disabling medical conditions can qualify for SSDI benefits with as few as six total credits.

Those who intend to apply for disability benefits often need help gathering the necessary documentation. They may require support while filling out application paperwork and verifying their accumulated credits. They also need to know what things they need to tell the SSA that would make it more likely to receive benefits. People who become unable to work due to medical challenges often need support while navigating the SSDI benefits application process.

Validating work history can be as important as reviewing medical records when applying for SSDI benefits. Applicants may need help learning about the rules and handling the necessary paperwork to pursue benefits, and that’s okay.