How Work Credits Affect SSD Eligibility

On This Page

1. How Work Credits Affect SSD Eligibility

REVIEWED BY

C. William Kenny

January 01, 2026

Board certified by National Board of Trial Advocacy

How Work Credits Affect SSD Eligibility

When applying for Social Security Disability benefits, many people focus only on their medical condition. While medical evidence is essential, your work history also plays a major role in determining eligibility. Social Security uses work credits to decide whether an applicant has paid enough into the system to qualify for SSD benefits.

Work credits are earned by working and paying Social Security taxes. Each year you can earn up to four work credits depending on your income. The amount needed to earn one credit changes slightly each year, but the maximum remains four credits annually. These credits build over time and serve as proof that you have contributed to the Social Security system.

A common misunderstanding is that you need to have worked recently and for many years to qualify. The number of work credits required depends on your age at the time you became disabled. Younger workers often need fewer credits while older workers generally need more. For example, someone who becomes disabled in their twenties may qualify with only a few years of work history while someone in their fifties may need a longer record of employment.

Another important factor is recent work. In most cases applicants must have earned a certain number of credits within the last ten years before becoming disabled. This rule ensures that benefits go to individuals who were actively working before their condition prevented them from continuing employment. However, there are certain exceptions.

Some people believe that gaps in employment automatically disqualify them. This is not always true. Periods of unemployment, caregiving or part time work may still allow you to earn enough credits depending on your overall work history. Reviewing your earnings record can help clarify whether you meet the requirements.

It is also important to understand that work credits alone do not guarantee approval. You must still meet Social Security’s strict definition of disability. Both medical eligibility and work credit requirements must be satisfied for a successful claim.

Because work credit rules can be confusing, many applicants are unsure whether they qualify before applying. An experienced Social Security Disability law firm can review your work history, explain your eligibility and help you avoid costly mistakes. Understanding how work credits affect SSD eligibility can make the difference between a denied claim and the benefits you deserve. Contact the lawyers of Berger and Green for a free case review.