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Qualification and Credits
Posted in: Application Process on August 15th, 2011

social security creditsIf you are applying for Social Security Disability Insurance or Supplemental Security Income, it is important to be aware of the requirements you have to complete in order to be considered eligible for the program.  While both programs have the exact same application process, the requirements are different and the places where the money comes from to fund these programs is also different.

For those who are applying for Social Security Disability Insurance in particular, you need to be aware of the “credit” system.  This will help you judge your eligibility and save you time and effort if you don’t meet the requirements of the system.

Check Your Credits

One of the most important requirements of the Social Security Disability Insurance process that is also the least understood is the following:

  • They have accumulated 20 social security credits in the last 10 years prior to the onset of disability (normally four credits per full or partial year); one additional credit is required for every year by which the worker’s age exceeds 42.

You receive work credits for Social Security on a quarterly basis generally – if you work a full year at full time, you gain four credits.  Be sure to check your work history with the Social Security Administration to ensure that you have the necessary 20 credits before you apply for Social Security Disability Insurance.  If you don’t have the credits, you won’t be accepted to the program!  Since applying for benefits takes so long and is an arduous process, understand the requirements before you apply.

 

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