Social Security pays only for total disability. The definition of disability under Social Security is different than other programs. If you qualify now but you stop working under Social Security, you may not continue to meet the disability work requirement in the future. Remember that whatever your age, you must have earned the required number of work credits within a certain period ending with the time your disability begins. However, younger workers may qualify with fewer credits.įor more information on whether you qualify, refer to How You Earn Credits. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year your disability begins.
The number of work credits you need to qualify for disability benefits depends on your age when your disability begins. When you've earned $6,040 you've earned your four credits for the year. In 2022, for example, you earn one credit for each $1,510 in wages or self-employment income. The amount needed for a work credit changes from year to year. You can earn up to four credits each year. Social Security work credits are based on your total yearly wages or self-employment income. In addition to meeting our definition of disability, you must have worked long enough - and recently enough - under Social Security to qualify for disability benefits.
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If you are receiving SSDI benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits, but the amount remains the same. There are also several special rules, called work incentives, that provide continued benefits and health care coverage to help you make the transition back to work. Benefits usually continue until you can work again on a regular basis.
In general, we pay monthly benefits to people who are unable to work for a year or more because of a disability.
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