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


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.

About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.

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