Social Security Disability Definitions
Social Security Disability and SSI Overview
The Requirements for Disability
Social Security Disability and SSI Applications
Tips and Advice for Disability Claims
How long does Disability take?
Common Mistakes after Receiving a Disability Denial
Disability Denials and Filing Appeals
Social Security Mental Disability Benefits
Disability Benefits offered through Social Security
Benefits through SSI disability
Disability Benefits for Children
Disability Qualifications and How to Qualify
Social Security Disability and Working
Winning your Disability Benefits
Social Security Back Pay and the disability award notice
Disability Lawyers and Hiring an Attorney
Social Security Disability SSI List of Conditions
What is considered a Disabling condition by Social Security?
Social Security Disability SSI and Medical Evidence
Filing for Disability Benefits
Eligibility for Disability Benefits
SSDRC authored by Tim Moore
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How Many Work Credits Do You Need To Have For SSI or Social Security Disability Eligibility?
How to prove you are disabled
and win disability benefits
Many people are confused as the eligibility criteria for the two disability programs administered by the Social Security Administration. The confusion most likely occurs because both disability programs use the same medical determination process. However, it is the non-disability criteria that separate the two programs: Social Security disability and Supplemental Security Income (SSI) disability.
Social Security disability, not SSI, is dependent upon insured status that is earned through work activity. The minimum amount of work credits (quarters of coverage) needed for insured status is six and the maximum needed to be fully insured with Social Security is forty quarters of coverage. An individualís age at the time they become disabled determines the amount of credits they need to be "fully insured".
Social Security applicants must cross one more hurdle to be entitled to Social Security disability. They must also be "disability insured". Disability insured status requires that an individual be fully insured and have twenty quarters of coverage in the past ten years to be disability insured. This means an individual must have worked five out of the last ten years prior to becoming disabled to be insured for Social Security disability.
There are exceptions for individuals who are under the age of thirty-one and certain other cases. Work activity also determines the amount of an individual's disability benefitS and if there is any extra money on their record to pay their dependents (i.e. children, spouses, and in rare instances parents).
Supplemental Security Income disability (SSI), on the other hand, has no insured status requirement. In fact, an individual could potentially be eligible for SSI even if they have never worked. Additionally, SSI disability allows eligibility to children who are disabled themselves. But if you are an adult who receives SSI disability, your children will not receive benefits simply because they are your dependents.
SSI eligibility depends upon an individualís income and resources, because it is a need-based disability program. Currently, the resource limit for an individual is $2000.00 and the coupleís limit is $3000.00. Resources are cash on hand, bank accounts, land other than where an individual or couple reside, vehicles other than the highest valued, heir property, 401Ks, stocks, bonds, etc.
If an individual meets the resource limit (i.e. asset limit), they still have to meet an income limit. Income is defined as wages, pensions, unemployment benefits, short or long term disability benefits, rental income etc.
Income limit amounts vary depending upon family composition. Parentsí income and resources are counted against children until they are eighteen. Additionally, the SSI benefit amount is set by Social Security each year and there is no possibility of additional money for their dependents. In a nutshell, Supplemental Security Income disability has nothing to due with insured status, so there is no connection with work credits and SSI eligibility.
Return to: Social Security Disability Resource Center, or read answers to Questions
Information on the following topics can be found here: Social Security Disability Questions
Social Security Disability SSI decisions | The Disability Decision Process and What gets taken into Consideration | Getting Denied for Disability Benefits | Questions about Social Security Disability Approvals and Being Approved | Social Security Disability Hearings | Social Security Medical Examinations | Social Security SSI Doctors | Social Security Disability Representation | Social Security Disability SSI Reviews