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What about Credits?
Posted in: Benefits on October 5th, 2011

disability creditsSocial Security Disability Insurance is intended to provide for working-age individuals that have experienced an illness or injury that renders them unable to work in a normal capacity. If you are a low-income American with a disability, you should check out the opportunities afforded to you by Supplemental Security Income. In order to be considered for Social Security Disability Insurance, you need to prove the value of your work history via the process of credits.

What Are Credits?

Generally speaking, a credit, in the eyes of the Social Security Administration, is basically a record of how many years you’ve spent in the workforce. Typically, an individual will receive four credits per calendar year spent working. In order to be considered eligible for disability insurance, you must have received at least 20 credits within the past 10 years of your life.

In the event that you are rendered ineligible for Social Security Disability Insurance by virtue of your work history, your application would be better sent to Supplemental Security Income. The main difference between these two programs is that the Social Security Administration monitors Social Security Disability Insurance, while Supplement Security Income is more closely related to welfare. Understanding your work history and the way that credits are determined by such, will play a big role in figuring out which of these programs is the best for you to apply for. If you are unsure about your work history and how it relates to credits, be sure to contact the Social Security Administration to get personal information regarding your own file.

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