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

How do you earn credits for social security disability?

I came across a question which was, "Can you purchase social security credits?"

Of course, the answer is no, you can't. The only way to build up enough credits to qualify for either social security retirement or to qualify for social security disability benefits prior to retirement age is to gain them through work activity. This work activity can come through employment or through self-employment. But in either case, credits must be a reflection of one's work activity.

What happens if you do not earn enough work credits by the time you reach retirement age? Well, you really only have two choices. File for SSI or attempt to engage in further work activity for the purpose of building up work credits.

For an individual who becomes disabled and does not have enough work credits to qualify for disability, the only solution is to file an application for SSI based on disability. Theoretically, an individual in this position could also engage in work activity in an attempt to gain insured status for social security disability benefits. However, most individuals who would need to file for disability would, likely, not be in the position of being able to do this.

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

Related pages:

Disability requirements and how to file in Florida
Tips, how to apply for disability
Applying for Disability - How long does it take
Appealing a Denial with a Hearing Before an ALJ (Administrative Law Judge)
Appealing A Social Security Disability Determination
How much does disability pay?
How do you Apply for SSI?
SSI Back Pay after being Approved
Can they take my Social Security disability away?
Can you Refuse to go to a Social Security Medical Examination?
What Conditions Qualify For Social Security Disability?
How do I apply for disability, when

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 provide answers to basic questions about pursuing disability benefits

What Mental Problems Qualify for Disability?
Disability for a mental condition
Tips for Filing for disability
Financial Help Filing For Disability
Checklist for filing for disability, SSI or SSD
Qualifying for disability benefits, how to qualify for SSD or SSI
Filing a disability application: the steps
Disability award notice, how long it takes to get benefits
How to Apply for Disability - Where do I go?
What makes you eligible to get disability?
How to check my disability claim status?
Can a disability attorney speed up a disability case?
SSI disability Award Letter
How long to get approved for disability?
How to apply for disability benefits
How long does disability back pay take?
What are qualifications for getting disability?
What medical conditions can you file disability for?
Disability Lawyer help questions
Social Security Attorneys, Disability Representatives