Overview of Disability

Disability Back Pay

Disability Requirements

Disability Applications

Disability Advice Tips

How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

Recent Questions

SSDRC Disability Blog

What Determines If You Are Covered for SSDI - Social Security disability Insurance

Social Security disability insurance (SSDI) coverage depends upon your age and your earnings prior to becoming disabled. Social Security sets the amount of earnings needed to earn one quarter of coverage. You can earn no more than four work credits work credits or quarters of coverage each year.

In order to be covered by Social Security disability, you must meet two requirements: you must be "fully insured" and "disability insured".

To be disability insured, you have to have earned a minimum amount of work credits dependent upon your age. If you are 24 years or younger, you must have a least six quarters of coverage in the three years prior to becoming disabled to be insured. Six quarters of coverage or work credits is the minimum amount needed to be eligible for Social Security disability.

Special rules affect the number of quarters of coverage needed to be eligible for SSDI if you are between the ages of 24 and 31 if you are statutorily blind, or you were previously entitled to SSDI. However if you are 31 years old or older, you are required to have at least twenty quarters of coverage to be disability insured.

If any of the situations apply to you, you should contact Social Security to determine if you are covered by SSDI.

The second requirement to be SSDI insured is that you must be "fully insured". In order to be fully insured, you must earn one quarter of coverage (work credit) for each year between the age of 21 and the age you became disabled. You have to have earned at least twenty work credits or quarters of coverage out of the forty quarters previous to becoming disabled.

For example, if you are 41 years old and have four quarters each year since you were 21, you have earned eighty quarters. You have earned at least twenty quarters in the last ten years so you are fully insured and currently insured. You must have worked five out of the ten years or twenty out of the last forty possible work quarters previous to becoming disabled in order to be currently covered for SSDI, Social Security disability.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

How many work quarters do you need to qualify for disability?
What If I Do Not Have Enough Work Credits For Social Security Disability Benefits?
What Determines If You Are Covered for SSDI - Social Security disability Insurance?
How does social security define work quarters?
Not enough accumulated quarters for Social Security Disability, what do I do?
With low earnings can you be considered for Social Security Disability payments?
SSDI and self-employment earnings from a business

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

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

Filing for disability - How to file for SSD or SSI and the Information that is needed by Social Security
How to Apply for Disability - What medical conditions can you apply and qualify for?
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?
How to Prove you are disabled and qualify to win disability benefits
How do you prove your disability case if you have a mental condition or impairment?
Social Security Disability Back pay and How Long it Takes to Qualify for it and receive it
Social Security Disability SSI - Eligibility Requirements and Qualifications Criteria