How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

What If I Do Not Have Enough Work Credits For Social Security Disability Benefits?

If an individual is applying for Social Security Disability, they have to be insured for the program. Insured status for Social Security Disability is earned through work activity prior to becoming disabled. Each year, an individual has the potential of earning four work credits, or quarters of coverage, toward insured status.

Social Security guidelines state that an individual must be both "fully insured" and "disability insured" to be eligible to receive Social Security Disability benefits. Fully insured status simply requires that an individual have one quarter of coverage (i.e. a work credit) for each year from their twenty-first year until the time they become disabled. Disability insured requires that an individual have earned work credits or quarters of coverage for twenty quarters of the last forty possible quarters.

Basically, an individual must have worked five out of the last ten years. There are special rules that require fewer quarters or work credits to meet disability insured status to help younger disabled workers who are 31 years old or younger to qualify to receive disability benefits.

If an individual cannot meet both the fully insured and disability insured requirements, are there any other Social Security benefits they can file for? Fortunately, there is another disability program administered by Social Security that offers disability benefits for those who do not have enough work credits for Social Security Disability benefits. This program is supplemental security income disability (SSI), and it is based upon need rather than insured status or work credits.

However, like other social need-based programs, SSI does have income and resource limits that determine if an individual is eligible for the program. Currently, the resource limit for individuals is two thousand dollars and for couples it is three thousand dollars. Resource limits exclude the highest valued vehicle that an individual or couple owns and the house/land they live on. Other resources (i.e. land, vehicles, bank accounts, etc.) are counted toward the SSI resource limit.

Resource limits have remained the same for many years, but they are subject to change at anytime. For the most, part SSI resource limits are fairly black and white; income limits are more subjective because they are affected by an individual or couple's household composition. For more information about resource and income limits for this need-based program, individual wishing to file for disability should check with their local Social Security office.

If an individual meets the income and resource limits of the SSI disability program, they may be eligible for disability benefits even if they have no work credits.

Essential Questions

What is the Social Security Disability SSI list of impairments?

Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

Tips for getting Social Security Disability or SSI benefits approved

What medical conditions will get you approved for disability?

What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state

Most popular topics on SSDRC.com

Social Security Disability SSI Questions

The listings, list of disabling impairments

Can a mental illness qualify you for disability?

Disability Lawyers prevent unnecessary denials

How much Social Security Disability SSI back pay?

How to apply for disability for a child or children

Filing a Social Security Disability SSI application

Filing for disability - when to file

How to apply for disability - where to apply

Qualifications for disability benefits

How to Prove you are disabled and Win your Disability Benefits

Qualifying for Disability - The Process

How to get disability for depression

Getting disability for fibromyalgia

SSI disability for children with ADHD

What is the Application Process for Social Security Disability and SSI?

Common Mistakes to avoid after being denied for Disability

Social Security Disability SSI Exam tips

More Social Security Disability SSI Questions

Social Security Disability SSI definitions

What makes you eligible for Social Security Disability or SSI?

New and featured pages on SSDRC.com

Who can help me file for disability?

Related pages:

How long does a Social Security Disability judge have to make a ruling?
Denial by an ALJ at a Disability Hearing
How long does it take a disability judge to make a decision?
How Many Work Credits Do You Need To Have For SSI or Social Security Disability Eligibility?
How many work quarters do you need to qualify for disability?
How Can I Get Social Security Disability If I Have Not Worked For A Long Time?
How does social security define work quarters?
Not enough quarters for Social Security Disability
What Determines If You Are Covered for SSDI - Social Security Disability Insurance
How does work qualify you for disability?
Disability lawyers - basic questions for Social Security help
How to file a disability appeal in New Jersey
If you apply for disability in in New Jersey

These pages answer some of the most basic questions for individuals who are considering filing a claim.

How to file for disability, tips

Can you get temporary Social Security Disability or SSI benefits?

Permanent Social Security Disability

What is the difference between Social Security Disability and SSI?

Who is eligible for SSI disability?

Can I Be Eligible For SSI And Social Security Disability At The Same Time?

What makes a person eligible to receive disability benefits?

Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?

What happens if I file a disability application and it is denied by a disability examiner or Judge?

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.