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Category Archives: Work credits


To qualify for Social Security Disability Insurance (SSDI) benefits, you need to accumulate work credits through regular contributions to the SSDI program. Your contributions are made through FICA taxes if you are employed. Or, through SECA taxes if you’re self-employed. Typically, you need a minimum of 10 years of work to be insured for benefits. However, the number of work credits can vary based upon your age at the time of disability onset. Generally, you need 40 credits, with 20 earned in the last decade preceding your inability to work. You can earn up to 4 work credits per year.

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