Work Credit Requirements for SSD

High-Quality Legal Help with Social Security Disability in Florida

Important information about Social Security work credits

Social Security Disability (SSD) benefits are a resource for workers no longer able to work due to injury or a condition that leaves them disabled. As a federal worker insurance program, SSD is funded by FICA taxes you pay during your time in the workforce.

If you suffer a disability, your history of paying into the insurance program, along with your disability, is considered when you apply for benefits.

Since part of your eligibility for SSD is conditioned on Social Security work credits, understanding your work credits is important. Assisting clients throughout Florida work through the SSD application process, Scott J. Sternberg and Associates, P.A. can help you learn about the SSD program and the requirements needed for eligibility.

Understanding work history and work credits

Because Social Security Disability is an insurance program for workers, you are only eligible for the benefits when you pay into the program and for a certain time thereafter.

Just like car insurance, if you stop paying your premiums, you no longer have coverage. With SSD, you must have sufficient, recent experience in the workforce to qualify for benefits if you become disabled.

The number of work credits you need to be eligible for SSD depends upon your age when you become disabled. If you have been out of the workforce for 20 years, even with prior work experience, you may not have the Social Security credits required to qualify for SSD.

How many work credits do you need?

If applying for SSD and unsure whether you meet eligibility credit or disability guidelines, speak with an attorney with our firm. Generally, the Social Security Administration (SSA) awards you work credits based on your income.

The amount needed to qualify for a work credit changes each year. During one year, you can usually qualify for up to four work credits.

Points to consider about SSD and work credits include the following:

  • At your present age, you must have enough recent time paying into the program to qualify. For example, at age 38, you generally need three years of work experience. By age 54, you need eight years paying into the system through payroll taxes to qualify for SSD.
  • If you do not have enough credits to qualify for SSD, you may be able to obtain Supplemental Security Income (SSI), an aid program for the disabled and economically disadvantaged. Receipt of SSI is not dependent on time in the work force.

Your work history and situation is considered unique. If you need help and have questions about eligibility credits, SSD or SSI, our legal team provides comprehensive information and representation to achieve the benefits you deserve.

We help with Social Security Disability benefits in Florida

With offices in West Palm Beach, Orlando and Boca Raton, Scott J. Sternberg and Associates, P.A. offers experienced legal advice and representation on matters of Social Security Disability, Supplemental Security Income and Workers compensation.

If you have questions about benefits, we have answers. You pay no legal fees unless benefits are obtained on your behalf.

We offer evening and weekend appointments and can travel to you if you are unable to come to one of our locations. Call us at 561-687-5660 or contact us online for a consultation.



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