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Okay, Exactly What Is A Credit And How Many Credits Do I Need To Be Eligible For SSD?

You need a certain number of credits to be eligible for social security disability.  The number of credits that you need depends on your age.  In 2021, the Social Security Administration gives you a credit for each $1470.00 of earnings, up to a maximum of 4 credits per year.

So as long as you earn $5880.00 in a year then you have earned the maximum number of social security credits.  It does not matter if you earned the $5880.00 in your first week of work and took off the other 51 weeks- you still will have 4 credits.

  • If you became disabled before the age of 24 then you need 6 credits or 1 ½ years of work during the 3 years before you became disabled
  • If you are 24 through 30, you generally need credits for half of the time between age 21 and the time you became disabled.
  • If you are disabled at age 31 or older, you generally need at least 20 credits in the 10 years immediately before you became disabled.

Remember, the credits are for SSD purposes, not for SSI purposes.  You do not need any credits to be eligible for SSI.

Please remember that this is just general information, and everyone’s situation is unique. This article should not be considered legal advice.