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 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.

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 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
Qualifying for disability in Missouri

Will I qualify for disability in Missouri?

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.