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
Denied disability because of work credits
Topic: What do work credits have to do with being disabled and being denied disability?
Question: I have been turned down twice and both of the letters say -"not enough work credits". They further say that "because of lack of work credits we do not need to review your application any further". What do credits have to do with my medical condition?
This is an area in which many individuals are unaware of how the SSA (Social Security Administration) disability programs work. Social Security Disability insurance, or SSDI, also referred to as SSD, is a program for which you must be eligible for in one ways than one. To get SSD disability, you have to be disabled in the way that Social Security considers a person disabled (the condition must be severe, it must last a year, and you must so limited that you cannot work any job while making more than the disability earnings limit.
But...you also have to have worked and paid payroll taxes to be insured for Social Security Disability. If you did not pay enough over the years to be insured, your disability claim is denied on that basis regardless of what your medical conditions are. This type of situation potentially affects people who never worked (maybe they stayed home with the kids) and people who once worked a long time ago, and even people who live in states and work in retirement systems that do not pay into Social Security. Many teachers in a number of states fall into this last category.
If you do not qualify for SSD, though, there is a need based SSI disability program that does not depend on an insured status, but you must meet strict income and resource limits to qualify for this program. SSI provides a relatively small monthly benefit amount, but it, depending on the state, usually comes with medicaid for a health insurance benefit. However, SSI is need-based, meaning they count your assets.
Also, if you are married, they count your spouse's income (or a portion of it in a process called deeming). If you want to file for SSI, of course, these are the kinds of questions for a disability lawyer, or someone at a Social Security office can help address them.
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?
How long after my consultative appointments will I get a decision on my disability claim?
Can I get married and still get my Social Security Disability?
How many people die while waiting for disability benefits?
What is the difference between receiving back pay for SSD and SSI?
Filing for retroactive disability benefits
What Are The Odds of Winning A Social Security Disability Appeal?
Does SSA go by onset date or application date for back pay?
If you get denied at a disability hearing, can you win later?
Can you work while filing for disability?
Can medications qualify you for disability?
Will Social Security respond to a dire need letter?
Denied disability because of work credits
Can you still get SSI if you are denied SSDI?
These pages answer some of the most basic questions for individuals who are considering filing a claim.
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.