Meeting Earning Requirements and Applying for SSDI Benefits

In order to be considered for Social Security disability benefits (SSDI), you must meet both an earnings requirement and a durational requirement. Social Security pays benefits if you are able to show that you cannot work because of a medical condition or combination of conditions that has lasted or is expected to last at least one year or result in death, and you have worked long enough and recently enough to meet the earnings requirements.

In order to qualify for work credits, you must have worked in jobs that pay into Social Security through FICA taxes. Work credits are based on your total yearly wages or reported self-employment income. The amount you need for one credit varies from year to year. For example, in 2015, you will earn one credit for each $1,220 that you earn. You can earn up to four credits a year.

How many credits you need before you qualify for benefits depends on your age at the time you become disabled. As a general rule, you need 40 work credits, 20 of which were earned in the last 10 years ending in the year you became disabled. Younger workers may qualify with fewer credits.

It is very important to understand that when you stop working, you are no longer earning work credits. If you wait too long to apply for Social Security disability benefits, it is possible that you will no longer qualify for disability benefits. For instance, if you are 31 or older, you must have worked at least 5 of the last 10 years to pass the recent work test.

You can get information about your work credits be by starting a My Social Security Account on the home page of the Social Security website (www.ssa.gov).

Contact and Experienced SSDI Attorney

At the Law Office of Robert A. Koenigsberg, we have experienced and knowledgeable New York social security disability lawyers that will be able to fight on your behalf in your case. Contact the SSDI attorneys at (212) 964-9292 or fill out an online contact form to schedule your first free consultation. The Law Office of Robert A. Koenigsberg has been representing people in their ssdi claims, since 1996.